Call reports 2008
SAVOY BANK — 2008
What SAVOY 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 | 37,819,000 | 49,741,000 | 52,293,000 | 54,016,000 |
| Total loans | 2,538,000 | 9,684,000 | 27,045,000 | 41,824,000 |
| Allowance for loan losses | 29,000 | 129,000 | 300,000 | 934,000 |
| Securities available for sale | 1,006,000 | 7,933,000 | 9,885,000 | 5,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,956,000 | 35,774,000 | 39,147,000 | 42,230,000 |
| Interest-bearing deposits | 21,814,000 | 34,342,000 | 37,015,000 | 38,751,000 |
| Noninterest-bearing deposits | 1,142,000 | 1,432,000 | 2,132,000 | 3,479,000 |
| Equity capital | 14,757,000 | 13,409,000 | 12,450,000 | 9,903,000 |
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 | 157,000 | 534,000 | 1,239,000 | 2,008,000 |
| Interest expense | 51,000 | 345,000 | 688,000 | 1,046,000 |
| Net interest income | 106,000 | 189,000 | 551,000 | 962,000 |
| Noninterest income | 8,000 | 46,000 | 60,000 | 71,000 |
| Noninterest expense | 859,000 | 2,125,000 | 3,330,000 | 5,867,000 |
| Provision for loan losses | 29,000 | 129,000 | 300,000 | 934,000 |
| Pretax income | -774,000 | -2,019,000 | -3,019,000 | -5,747,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -774,000 | -2,019,000 | -3,019,000 | -5,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,756,000 | 13,511,000 | 12,511,000 | 9,783,000 |
| Total capital | 14,785,000 | 13,640,000 | 12,811,000 | 10,322,000 |
| Risk-weighted assets | 11,179,000 | 28,047,000 | 39,630,000 | 42,712,000 |
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