Call reports 2008
SILVER FALLS BANK — 2008
What SILVER FALLS 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 | 143,931,000 | 149,789,000 | 147,002,000 | 134,206,000 |
| Total loans | 134,072,000 | 140,201,000 | 127,953,000 | 113,967,000 |
| Allowance for loan losses | 2,218,000 | 2,379,000 | 4,732,000 | 7,720,000 |
| Securities available for sale | 751,000 | 751,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,466,000 | 121,614,000 | 121,632,000 | 115,976,000 |
| Interest-bearing deposits | 107,664,000 | 113,115,000 | 112,263,000 | 107,369,000 |
| Noninterest-bearing deposits | 8,802,000 | 8,499,000 | 9,369,000 | 8,607,000 |
| Equity capital | 11,656,000 | 11,739,000 | 9,037,000 | 2,885,000 |
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 | 3,047,000 | 5,952,000 | 8,277,000 | 10,070,000 |
| Interest expense | 1,336,000 | 2,595,000 | 3,787,000 | 4,845,000 |
| Net interest income | 1,711,000 | 3,357,000 | 4,490,000 | 5,225,000 |
| Noninterest income | 85,000 | 172,000 | 277,000 | 465,000 |
| Noninterest expense | 1,034,000 | 2,011,000 | 3,240,000 | 4,764,000 |
| Provision for loan losses | 905,000 | 1,571,000 | 6,471,000 | 11,695,000 |
| Pretax income | -143,000 | -53,000 | -4,941,000 | -10,766,000 |
| Income tax | 225,000 | 256,000 | -1,934,000 | -1,609,000 |
| Net income | -368,000 | -309,000 | -3,007,000 | -9,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,651,000 | 11,734,000 | 9,037,000 | 2,885,000 |
| Total capital | 13,391,000 | 13,572,000 | 10,730,000 | 4,300,000 |
| Risk-weighted assets | 138,665,000 | 146,452,000 | 132,368,000 | 111,028,000 |
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