Call reports 2008
HOLCOMB BANK — 2008
What HOLCOMB 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 | 118,618,000 | 121,526,000 | 116,314,000 | 125,522,000 |
| Total loans | 80,919,000 | 81,601,000 | 84,860,000 | 85,815,000 |
| Allowance for loan losses | 1,345,000 | 1,391,000 | 1,398,000 | 1,428,000 |
| Securities available for sale | 0 | 0 | 3,900,000 | 22,513,000 |
| Securities held to maturity | 17,381,000 | 19,598,000 | 19,140,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,548,000 | 109,406,000 | 104,104,000 | 112,668,000 |
| Interest-bearing deposits | 89,657,000 | 93,110,000 | 88,143,000 | 93,986,000 |
| Noninterest-bearing deposits | 16,891,000 | 16,296,000 | 15,961,000 | 18,682,000 |
| Equity capital | 11,021,000 | 11,174,000 | 11,362,000 | 12,002,000 |
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 | 1,818,000 | 3,513,000 | 5,212,000 | 6,941,000 |
| Interest expense | 796,000 | 1,495,000 | 2,138,000 | 2,794,000 |
| Net interest income | 1,022,000 | 2,018,000 | 3,074,000 | 4,147,000 |
| Noninterest income | 168,000 | 367,000 | 549,000 | 713,000 |
| Noninterest expense | 878,000 | 1,737,000 | 2,624,000 | 3,539,000 |
| Provision for loan losses | 35,000 | 80,000 | 110,000 | 140,000 |
| Pretax income | 277,000 | 568,000 | 889,000 | 1,215,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 7,000 |
| Net income | 274,000 | 562,000 | 880,000 | 1,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,000,000 | 11,152,000 | 11,340,000 | 11,533,000 |
| Total capital | 12,114,000 | 12,296,000 | 12,515,000 | 12,738,000 |
| Risk-weighted assets | 88,915,000 | 91,281,000 | 93,765,000 | 96,158,000 |