Call reports 2008
BANK OF CARBONDALE, THE — 2008
What BANK OF CARBONDALE, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 153,067,000 | 151,690,000 | 157,179,000 | 161,785,000 |
| Total loans | 113,708,000 | 112,886,000 | 108,883,000 | 115,101,000 |
| Allowance for loan losses | 2,486,000 | 2,537,000 | 2,601,000 | 2,684,000 |
| Securities available for sale | 25,376,000 | 22,354,000 | 24,197,000 | 32,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,335,000 | 134,823,000 | 130,855,000 | 136,040,000 |
| Interest-bearing deposits | 114,966,000 | 115,464,000 | 112,277,000 | 114,415,000 |
| Noninterest-bearing deposits | 17,369,000 | 19,359,000 | 18,578,000 | 21,625,000 |
| Equity capital | 15,608,000 | 15,753,000 | 16,192,000 | 16,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,304,000 | 4,484,000 | 6,618,000 | 8,788,000 |
| Interest expense | 933,000 | 1,735,000 | 2,469,000 | 3,159,000 |
| Net interest income | 1,371,000 | 2,749,000 | 4,149,000 | 5,629,000 |
| Noninterest income | 233,000 | 471,000 | 735,000 | 998,000 |
| Noninterest expense | 882,000 | 1,864,000 | 2,776,000 | 3,735,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 602,000 | 1,116,000 | 1,748,000 | 2,412,000 |
| Income tax | 201,000 | 389,000 | 597,000 | 851,000 |
| Net income | 401,000 | 727,000 | 1,151,000 | 1,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,473,000 | 15,799,000 | 16,223,000 | 16,393,000 |
| Total capital | 16,876,000 | 17,189,000 | 17,564,000 | 17,815,000 |
| Risk-weighted assets | 117,220,000 | 116,728,000 | 113,404,000 | 120,169,000 |
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