Call reports 2008
RANDOLPH NATIONAL BANK — 2008
What RANDOLPH NATIONAL 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 | 131,075,000 | 133,623,000 | 140,452,000 | 150,648,000 |
| Total loans | 109,341,000 | 115,744,000 | 120,089,000 | 125,405,000 |
| Allowance for loan losses | 1,435,000 | 1,419,000 | 1,419,000 | 1,566,000 |
| Securities available for sale | 6,568,000 | 6,398,000 | 6,509,000 | 9,952,000 |
| Securities held to maturity | 1,088,000 | 985,000 | 895,000 | 815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,346,000 | 113,010,000 | 118,665,000 | 119,125,000 |
| Interest-bearing deposits | 88,184,000 | 87,379,000 | 91,453,000 | 93,908,000 |
| Noninterest-bearing deposits | 24,162,000 | 25,631,000 | 27,212,000 | 25,217,000 |
| Equity capital | 13,247,000 | 13,244,000 | 13,405,000 | 13,786,000 |
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 | 2,132,000 | 4,211,000 | 6,334,000 | 8,464,000 |
| Interest expense | 569,000 | 1,063,000 | 1,547,000 | 2,034,000 |
| Net interest income | 1,563,000 | 3,148,000 | 4,787,000 | 6,430,000 |
| Noninterest income | 175,000 | 335,000 | 508,000 | 670,000 |
| Noninterest expense | 1,534,000 | 3,051,000 | 4,607,000 | 6,298,000 |
| Provision for loan losses | 15,000 | 0 | 22,000 | 145,000 |
| Pretax income | 189,000 | 432,000 | 666,000 | 657,000 |
| Income tax | 44,000 | 101,000 | 170,000 | 152,000 |
| Net income | 145,000 | 331,000 | 496,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,850,000 | 12,974,000 | 13,076,000 | 13,523,000 |
| Total capital | 14,008,000 | 14,166,000 | 14,316,000 | 14,848,000 |
| Risk-weighted assets | 92,369,000 | 95,516,000 | 99,018,000 | 105,795,000 |
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