Call reports 2008
ALL CAPITAL BANK — 2008
What ALL CAPITAL 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 | 26,652,000 | 26,717,000 | 24,869,000 | 24,060,000 |
| Total loans | 14,994,000 | 14,715,000 | 15,810,000 | 15,996,000 |
| Allowance for loan losses | 248,000 | 118,000 | 171,000 | 269,000 |
| Securities available for sale | 41,000 | 37,000 | 31,000 | 30,000 |
| Securities held to maturity | 2,939,000 | 3,439,000 | 2,815,000 | 2,476,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,971,000 | 22,951,000 | 21,295,000 | 21,445,000 |
| Interest-bearing deposits | 16,914,000 | 16,324,000 | 15,369,000 | 15,778,000 |
| Noninterest-bearing deposits | 6,057,000 | 6,627,000 | 5,926,000 | 5,667,000 |
| Equity capital | 3,357,000 | 3,484,000 | 3,269,000 | 2,360,000 |
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 | 493,000 | 954,000 | 1,394,000 | 1,801,000 |
| Interest expense | 101,000 | 192,000 | 264,000 | 327,000 |
| Net interest income | 392,000 | 762,000 | 1,130,000 | 1,474,000 |
| Noninterest income | 120,000 | 227,000 | 341,000 | 466,000 |
| Noninterest expense | 293,000 | 574,000 | 867,000 | 1,173,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 197,000 |
| Pretax income | 219,000 | 415,000 | 544,000 | 570,000 |
| Income tax | 77,000 | 146,000 | 190,000 | 195,000 |
| Net income | 142,000 | 269,000 | 354,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,253,000 | 3,382,000 | 3,168,000 | 2,260,000 |
| Total capital | 3,494,000 | 3,500,000 | 3,339,000 | 2,497,000 |
| Risk-weighted assets | 19,271,000 | 19,901,000 | 17,957,000 | 18,953,000 |