Call reports 2008
BANKMERIDIAN, NA — 2008
What BANKMERIDIAN, NA 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 | 252,865,000 | 265,438,000 | 267,486,000 | 276,830,000 |
| Total loans | 195,249,000 | 208,398,000 | 223,106,000 | 224,932,000 |
| Allowance for loan losses | 2,441,000 | 2,604,000 | 2,789,000 | 3,374,000 |
| Securities available for sale | 45,157,000 | 35,157,000 | 33,795,000 | 36,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,764,000 | 200,932,000 | 196,462,000 | 208,387,000 |
| Interest-bearing deposits | 179,320,000 | 192,580,000 | 190,132,000 | 201,651,000 |
| Noninterest-bearing deposits | 8,444,000 | 8,352,000 | 6,330,000 | 6,736,000 |
| Equity capital | 31,015,000 | 30,387,000 | 29,893,000 | 29,303,000 |
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 | 4,038,000 | 7,832,000 | 11,700,000 | 15,352,000 |
| Interest expense | 2,238,000 | 4,286,000 | 6,303,000 | 8,432,000 |
| Net interest income | 1,800,000 | 3,546,000 | 5,397,000 | 6,920,000 |
| Noninterest income | 43,000 | 88,000 | 124,000 | 9,000 |
| Noninterest expense | 1,513,000 | 3,147,000 | 4,654,000 | 6,196,000 |
| Provision for loan losses | 280,000 | 443,000 | 758,000 | 2,656,000 |
| Pretax income | 128,000 | 173,000 | 238,000 | -1,794,000 |
| Income tax | 46,000 | 62,000 | 85,000 | -647,000 |
| Net income | 82,000 | 111,000 | 153,000 | -1,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,519,000 | 30,573,000 | 30,640,000 | 29,364,000 |
| Total capital | 32,930,000 | 33,177,000 | 33,341,000 | 32,166,000 |
| Risk-weighted assets | 192,815,000 | 208,111,000 | 215,974,000 | 223,334,000 |
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