Call reports 2008
TIGHTWAD BANK — 2008
What TIGHTWAD 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 | 13,372,000 | 13,872,000 | 14,750,000 | 17,123,000 |
| Total loans | 10,348,000 | 11,543,000 | 12,201,000 | 15,115,000 |
| Allowance for loan losses | 159,000 | 163,000 | 163,000 | 168,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,740,000 | 1,741,000 | 1,442,000 | 1,443,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,816,000 | 11,537,000 | 13,095,000 | 15,090,000 |
| Interest-bearing deposits | 10,446,000 | 10,131,000 | 11,808,000 | 13,933,000 |
| Noninterest-bearing deposits | 1,370,000 | 1,406,000 | 1,287,000 | 1,157,000 |
| Equity capital | 1,516,000 | 1,628,000 | 1,621,000 | 1,633,000 |
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 | 216,000 | 415,000 | 637,000 | 876,000 |
| Interest expense | 108,000 | 198,000 | 300,000 | 406,000 |
| Net interest income | 108,000 | 217,000 | 337,000 | 470,000 |
| Noninterest income | 9,000 | 32,000 | 48,000 | 60,000 |
| Noninterest expense | 80,000 | 214,000 | 362,000 | 485,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 37,000 | 35,000 | 23,000 | 39,000 |
| Income tax | 0 | 8,000 | 2,000 | 6,000 |
| Net income | 37,000 | 27,000 | 21,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,261,000 | 1,377,000 | 1,375,000 | 1,391,000 |
| Total capital | 1,384,000 | 1,508,000 | 1,523,000 | 1,559,000 |
| Risk-weighted assets | 11,744,000 | 10,167,000 | 11,856,000 | 14,878,000 |
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