Call reports 2008
MALVERN BANK — 2008
What MALVERN BANK 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 | 41,573,000 | 42,139,000 | 41,390,000 | 46,178,000 |
| Total loans | 28,975,000 | 29,733,000 | 31,960,000 | 33,665,000 |
| Allowance for loan losses | 405,000 | 436,000 | 486,000 | 467,000 |
| Securities available for sale | 1,460,000 | 1,239,000 | 1,244,000 | 880,000 |
| Securities held to maturity | 1,848,000 | 1,584,000 | 1,584,000 | 1,613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,996,000 | 36,592,000 | 35,775,000 | 40,581,000 |
| Interest-bearing deposits | 31,096,000 | 31,526,000 | 31,360,000 | 34,351,000 |
| Noninterest-bearing deposits | 4,900,000 | 5,066,000 | 4,415,000 | 6,230,000 |
| Equity capital | 5,281,000 | 5,277,000 | 5,377,000 | 5,352,000 |
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 | 583,000 | 1,159,000 | 1,748,000 | 2,340,000 |
| Interest expense | 265,000 | 512,000 | 745,000 | 986,000 |
| Net interest income | 318,000 | 647,000 | 1,003,000 | 1,354,000 |
| Noninterest income | 27,000 | 53,000 | 92,000 | 106,000 |
| Noninterest expense | 282,000 | 564,000 | 856,000 | 1,140,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 136,000 | 239,000 | 321,000 |
| Income tax | 4,000 | 9,000 | 14,000 | 18,000 |
| Net income | 59,000 | 127,000 | 225,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,256,000 | 5,270,000 | 5,367,000 | 5,337,000 |
| Total capital | 5,661,000 | 5,706,000 | 5,831,000 | 5,804,000 |
| Risk-weighted assets | 34,742,000 | 35,302,000 | 37,081,000 | 39,350,000 |
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