Call reports 2008
BAKER BOYER NATIONAL BANK — 2008
What BAKER BOYER NATIONAL 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 | 382,179,000 | 379,819,000 | 410,241,000 | 426,705,000 |
| Total loans | 291,575,000 | 299,792,000 | 291,585,000 | 293,898,000 |
| Allowance for loan losses | 3,601,000 | 3,748,000 | 3,766,000 | 4,217,000 |
| Securities available for sale | 21,767,000 | 22,992,000 | 25,642,000 | 33,190,000 |
| Securities held to maturity | 16,874,000 | 16,752,000 | 16,282,000 | 15,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,761,000 | 330,021,000 | 352,634,000 | 370,024,000 |
| Interest-bearing deposits | 264,478,000 | 259,604,000 | 279,969,000 | 287,202,000 |
| Noninterest-bearing deposits | 69,283,000 | 70,417,000 | 72,665,000 | 82,822,000 |
| Equity capital | 34,630,000 | 34,585,000 | 34,574,000 | 35,008,000 |
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 | 5,653,000 | 11,137,000 | 16,723,000 | 22,430,000 |
| Interest expense | 1,909,000 | 3,563,000 | 5,112,000 | 6,484,000 |
| Net interest income | 3,744,000 | 7,574,000 | 11,611,000 | 15,946,000 |
| Noninterest income | 1,831,000 | 3,763,000 | 5,699,000 | 7,662,000 |
| Noninterest expense | 4,141,000 | 8,490,000 | 12,662,000 | 16,937,000 |
| Provision for loan losses | 56,000 | 137,000 | 218,000 | 729,000 |
| Pretax income | 1,474,000 | 2,805,000 | 4,525,000 | 6,038,000 |
| Income tax | 392,000 | 754,000 | 1,185,000 | 1,568,000 |
| Net income | 1,082,000 | 2,051,000 | 3,340,000 | 4,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,366,000 | 34,435,000 | 34,424,000 | 34,654,000 |
| Total capital | 38,027,000 | 38,256,000 | 38,224,000 | 38,527,000 |
| Risk-weighted assets | 319,984,000 | 323,234,000 | 321,252,000 | 307,707,000 |