Call reports 2008
FREEDOM FINANCIAL BANK — 2008
What FREEDOM FINANCIAL 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 | 145,403,000 | 143,229,000 | 140,709,000 | 152,539,000 |
| Total loans | 123,380,000 | 127,151,000 | 128,370,000 | 125,123,000 |
| Allowance for loan losses | 1,435,000 | 1,495,000 | 1,990,000 | 1,615,000 |
| Securities available for sale | 0 | 0 | 0 | 7,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,575,000 | 114,722,000 | 112,005,000 | 119,336,000 |
| Interest-bearing deposits | 106,974,000 | 105,787,000 | 104,036,000 | 110,318,000 |
| Noninterest-bearing deposits | 9,601,000 | 8,935,000 | 7,969,000 | 9,018,000 |
| Equity capital | 12,516,000 | 12,191,000 | 12,358,000 | 12,238,000 |
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 | 2,251,000 | 4,274,000 | 6,360,000 | 8,424,000 |
| Interest expense | 1,192,000 | 2,341,000 | 3,490,000 | 4,645,000 |
| Net interest income | 1,059,000 | 1,933,000 | 2,870,000 | 3,779,000 |
| Noninterest income | 19,000 | 38,000 | 903,000 | 1,044,000 |
| Noninterest expense | 539,000 | 1,113,000 | 1,831,000 | 2,628,000 |
| Provision for loan losses | 150,000 | 210,000 | 770,000 | 1,060,000 |
| Pretax income | 389,000 | 648,000 | 1,172,000 | 1,135,000 |
| Income tax | 27,000 | 39,000 | 62,000 | 76,000 |
| Net income | 362,000 | 609,000 | 1,110,000 | 1,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,516,000 | 12,191,000 | 12,358,000 | 12,191,000 |
| Total capital | 13,951,000 | 13,686,000 | 14,041,000 | 13,806,000 |
| Risk-weighted assets | 131,190,000 | 132,353,000 | 134,343,000 | 140,031,000 |
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