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 | 94,840,000 | 95,269,000 | 96,070,000 | 95,070,000 |
| Total loans | 67,111,000 | 68,141,000 | 66,751,000 | 67,277,000 |
| Allowance for loan losses | 489,000 | 529,000 | 586,000 | 625,000 |
| Securities available for sale | 17,622,000 | 18,507,000 | 19,834,000 | 19,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,496,000 | 85,312,000 | 85,342,000 | 84,629,000 |
| Interest-bearing deposits | 74,832,000 | 73,723,000 | 75,431,000 | 75,217,000 |
| Noninterest-bearing deposits | 9,664,000 | 11,589,000 | 9,911,000 | 9,412,000 |
| Equity capital | 6,384,000 | 6,059,000 | 6,658,000 | 6,940,000 |
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 | 1,618,000 | 3,234,000 | 4,844,000 | 6,408,000 |
| Interest expense | 708,000 | 1,332,000 | 1,923,000 | 2,471,000 |
| Net interest income | 910,000 | 1,902,000 | 2,921,000 | 3,937,000 |
| Noninterest income | 169,000 | 321,000 | 469,000 | 631,000 |
| Noninterest expense | 891,000 | 1,764,000 | 2,646,000 | 3,530,000 |
| Provision for loan losses | 45,000 | 128,000 | 208,000 | 281,000 |
| Pretax income | 143,000 | 331,000 | 536,000 | 757,000 |
| Income tax | 15,000 | 47,000 | 112,000 | 195,000 |
| Net income | 128,000 | 284,000 | 424,000 | 562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,447,000 | 6,502,000 | 6,898,000 | 7,036,000 |
| Total capital | 6,936,000 | 7,031,000 | 7,484,000 | 7,661,000 |
| Risk-weighted assets | 63,375,000 | 64,593,000 | 63,315,000 | 62,598,000 |