Call reports 2008
BALBOA THRIFT AND LOAN ASSOCIATION — 2008
What BALBOA THRIFT AND LOAN 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 | 195,125,000 | 203,298,000 | 201,109,000 | 205,263,000 |
| Total loans | 185,852,000 | 192,418,000 | 192,064,000 | 193,692,000 |
| Allowance for loan losses | 3,712,000 | 3,905,000 | 4,592,000 | 4,908,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,959,000 | 184,311,000 | 181,268,000 | 186,689,000 |
| Interest-bearing deposits | 176,934,000 | 182,337,000 | 179,237,000 | 185,153,000 |
| Noninterest-bearing deposits | 25,000 | 1,975,000 | 2,031,000 | 1,536,000 |
| Equity capital | 17,353,000 | 17,959,000 | 17,894,000 | 18,035,000 |
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 | 5,425,000 | 11,055,000 | 16,729,000 | 22,522,000 |
| Interest expense | 2,148,000 | 4,190,000 | 6,116,000 | 8,026,000 |
| Net interest income | 3,277,000 | 6,865,000 | 10,613,000 | 14,496,000 |
| Noninterest income | 77,000 | 140,000 | 218,000 | 293,000 |
| Noninterest expense | 1,956,000 | 3,888,000 | 5,883,000 | 7,983,000 |
| Provision for loan losses | 1,771,000 | 2,922,000 | 4,852,000 | 6,459,000 |
| Pretax income | -373,000 | 195,000 | 96,000 | 347,000 |
| Income tax | -148,000 | 92,000 | 58,000 | 168,000 |
| Net income | -225,000 | 103,000 | 38,000 | 179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,353,000 | 17,959,000 | 17,894,000 | 18,035,000 |
| Total capital | 19,741,000 | 20,432,000 | 20,360,000 | 20,519,000 |
| Risk-weighted assets | 189,739,000 | 196,440,000 | 195,070,000 | 196,306,000 |
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