Call reports 2008
BANK OF MODESTO — 2008
What BANK OF MODESTO 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 | 36,760,000 | 35,853,000 | 35,126,000 | 36,728,000 |
| Total loans | 20,660,000 | 22,237,000 | 22,696,000 | 22,870,000 |
| Allowance for loan losses | 164,000 | 167,000 | 163,000 | 199,000 |
| Securities available for sale | 506,000 | 502,000 | 252,000 | 252,000 |
| Securities held to maturity | 10,758,000 | 10,196,000 | 9,167,000 | 9,359,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,064,000 | 32,113,000 | 31,300,000 | 33,033,000 |
| Interest-bearing deposits | 28,730,000 | 27,856,000 | 27,104,000 | 28,238,000 |
| Noninterest-bearing deposits | 4,334,000 | 4,257,000 | 4,196,000 | 4,795,000 |
| Equity capital | 3,486,000 | 3,541,000 | 3,576,000 | 3,539,000 |
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 | 532,000 | 1,054,000 | 1,568,000 | 2,041,000 |
| Interest expense | 223,000 | 415,000 | 583,000 | 743,000 |
| Net interest income | 309,000 | 639,000 | 985,000 | 1,298,000 |
| Noninterest income | 21,000 | 46,000 | 76,000 | 101,000 |
| Noninterest expense | 242,000 | 491,000 | 754,000 | 1,061,000 |
| Provision for loan losses | 4,000 | 8,000 | 11,000 | 47,000 |
| Pretax income | 84,000 | 186,000 | 297,000 | 291,000 |
| Income tax | 20,000 | 63,000 | 109,000 | 110,000 |
| Net income | 64,000 | 123,000 | 188,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,860,000 | 2,936,000 | 2,997,000 | 2,984,000 |
| Total capital | 3,024,000 | 3,103,000 | 3,160,000 | 3,183,000 |
| Risk-weighted assets | 23,672,000 | 24,668,000 | 24,825,000 | 25,715,000 |
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