Call reports 2008
TRANSACT BANK, NATIONAL ASSOCIATION — 2008
What TRANSACT BANK, NATIONAL ASSOCIATION 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 | 52,962,000 | 51,576,000 | 56,833,000 | 52,850,000 |
| Total loans | 35,864,000 | 36,615,000 | 36,284,000 | 34,160,000 |
| Allowance for loan losses | 338,000 | 346,000 | 403,000 | 357,000 |
| Securities available for sale | 2,448,000 | 2,282,000 | 2,285,000 | 2,290,000 |
| Securities held to maturity | 3,510,000 | 3,511,000 | 3,512,000 | 3,522,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,129,000 | 41,797,000 | 47,849,000 | 43,844,000 |
| Interest-bearing deposits | 28,367,000 | 27,834,000 | 29,676,000 | 28,623,000 |
| Noninterest-bearing deposits | 14,762,000 | 13,963,000 | 18,173,000 | 15,220,000 |
| Equity capital | 8,616,000 | 8,746,000 | 7,946,000 | 8,110,000 |
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 | 792,000 | 1,612,000 | 2,407,000 | 3,217,000 |
| Interest expense | 126,000 | 230,000 | 308,000 | 377,000 |
| Net interest income | 666,000 | 1,382,000 | 2,099,000 | 2,840,000 |
| Noninterest income | 113,000 | 233,000 | 373,000 | 453,000 |
| Noninterest expense | 522,000 | 1,071,000 | 1,613,000 | 2,219,000 |
| Provision for loan losses | 7,000 | 15,000 | 73,000 | 130,000 |
| Pretax income | 250,000 | 529,000 | 786,000 | 944,000 |
| Income tax | 103,000 | 207,000 | 310,000 | 333,000 |
| Net income | 147,000 | 322,000 | 476,000 | 611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,526,000 | 5,742,000 | 4,937,000 | 5,112,000 |
| Total capital | 5,864,000 | 6,088,000 | 5,340,000 | 5,469,000 |
| Risk-weighted assets | 38,021,000 | 38,437,000 | 38,692,000 | 36,009,000 |
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