Call reports 2008
FINANCE FACTORS, LIMITED — 2008
What FINANCE FACTORS, LIMITED 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 | 713,357,000 | 717,778,000 | 704,021,000 | 690,233,000 |
| Total loans | 525,738,000 | 526,703,000 | 525,846,000 | 515,130,000 |
| Allowance for loan losses | 6,863,000 | 8,254,000 | 7,371,000 | 7,842,000 |
| Securities available for sale | 126,471,000 | 125,410,000 | 109,809,000 | 109,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 496,833,000 | 506,653,000 | 498,982,000 | 494,680,000 |
| Interest-bearing deposits | 496,833,000 | 506,653,000 | 498,512,000 | 493,730,000 |
| Noninterest-bearing deposits | 0 | 0 | 470,000 | 950,000 |
| Equity capital | 68,584,000 | 67,655,000 | 68,586,000 | 64,365,000 |
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 | 11,483,000 | 22,607,000 | 33,392,000 | 43,948,000 |
| Interest expense | 6,195,000 | 11,811,000 | 17,279,000 | 22,944,000 |
| Net interest income | 5,288,000 | 10,796,000 | 16,113,000 | 21,004,000 |
| Noninterest income | 321,000 | 646,000 | 796,000 | 393,000 |
| Noninterest expense | 3,639,000 | 7,089,000 | 11,009,000 | 14,735,000 |
| Provision for loan losses | 650,000 | 2,200,000 | 2,500,000 | 3,900,000 |
| Pretax income | 1,376,000 | 2,417,000 | 3,365,000 | 2,594,000 |
| Income tax | 380,000 | 666,000 | 862,000 | 575,000 |
| Net income | 996,000 | 1,751,000 | 2,503,000 | 2,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,356,000 | 67,829,000 | 67,936,000 | 61,739,000 |
| Total capital | 74,219,000 | 75,270,000 | 75,222,000 | 68,856,000 |
| Risk-weighted assets | 584,453,000 | 594,462,000 | 582,756,000 | 568,631,000 |
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