Call reports 2008
LOCAL BANK — 2008
What LOCAL 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 | 13,803,000 | 13,683,000 | 13,842,000 | 14,595,000 |
| Total loans | 3,193,000 | 3,029,000 | 3,030,000 | 2,875,000 |
| Allowance for loan losses | 28,000 | 29,000 | 23,000 | 43,000 |
| Securities available for sale | 9,405,000 | 7,569,000 | 8,603,000 | 10,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,505,000 | 11,497,000 | 11,539,000 | 12,335,000 |
| Interest-bearing deposits | 8,167,000 | 8,291,000 | 8,404,000 | 8,980,000 |
| Noninterest-bearing deposits | 3,338,000 | 3,206,000 | 3,135,000 | 3,355,000 |
| Equity capital | 2,178,000 | 2,106,000 | 2,192,000 | 2,157,000 |
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 | 211,000 | 410,000 | 591,000 | 769,000 |
| Interest expense | 60,000 | 115,000 | 168,000 | 222,000 |
| Net interest income | 151,000 | 295,000 | 423,000 | 547,000 |
| Noninterest income | 30,000 | 56,000 | 86,000 | 112,000 |
| Noninterest expense | 127,000 | 241,000 | 363,000 | 511,000 |
| Provision for loan losses | 0 | 0 | 0 | 12,000 |
| Pretax income | 54,000 | 110,000 | 146,000 | 136,000 |
| Income tax | 18,000 | 32,000 | 40,000 | 43,000 |
| Net income | 36,000 | 78,000 | 106,000 | 93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,085,000 | 2,127,000 | 2,156,000 | 2,049,000 |
| Total capital | 2,113,000 | 2,156,000 | 2,179,000 | 2,092,000 |
| Risk-weighted assets | 5,655,000 | 5,518,000 | 5,598,000 | 5,698,000 |
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