Call reports 2008
BRIGHTON BANK — 2008
What BRIGHTON 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 | 75,892,000 | 76,251,000 | 72,185,000 | 80,051,000 |
| Total loans | 51,719,000 | 53,876,000 | 54,933,000 | 55,738,000 |
| Allowance for loan losses | 530,000 | 654,000 | 477,000 | 564,000 |
| Securities available for sale | 12,517,000 | 10,955,000 | 6,922,000 | 6,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,493,000 | 64,277,000 | 60,346,000 | 68,338,000 |
| Interest-bearing deposits | 54,466,000 | 53,674,000 | 49,658,000 | 59,053,000 |
| Noninterest-bearing deposits | 10,027,000 | 10,603,000 | 10,688,000 | 9,285,000 |
| Equity capital | 8,277,000 | 8,010,000 | 8,019,000 | 7,717,000 |
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 | 1,057,000 | 2,138,000 | 3,191,000 | 4,205,000 |
| Interest expense | 554,000 | 1,081,000 | 1,549,000 | 2,044,000 |
| Net interest income | 503,000 | 1,057,000 | 1,642,000 | 2,161,000 |
| Noninterest income | 98,000 | 198,000 | 289,000 | 228,000 |
| Noninterest expense | 657,000 | 1,296,000 | 1,969,000 | 2,669,000 |
| Provision for loan losses | 105,000 | 280,000 | 330,000 | 600,000 |
| Pretax income | -25,000 | -165,000 | -182,000 | -694,000 |
| Income tax | -20,000 | -90,000 | -118,000 | -265,000 |
| Net income | -5,000 | -75,000 | -64,000 | -429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,119,000 | 8,049,000 | 8,059,000 | 7,695,000 |
| Total capital | 8,649,000 | 8,703,000 | 8,536,000 | 8,259,000 |
| Risk-weighted assets | 57,270,000 | 57,988,000 | 58,983,000 | 61,669,000 |
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