Call reports 2008
BANK OF DELIGHT — 2008
What BANK OF DELIGHT 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 | 85,228,000 | 85,263,000 | 83,150,000 | 83,403,000 |
| Total loans | 47,001,000 | 47,915,000 | 45,992,000 | 43,933,000 |
| Allowance for loan losses | 797,000 | 797,000 | 787,000 | 919,000 |
| Securities available for sale | 3,000 | 3,000 | 3,000 | 3,000 |
| Securities held to maturity | 21,462,000 | 18,598,000 | 19,381,000 | 18,363,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,859,000 | 69,736,000 | 67,276,000 | 67,496,000 |
| Interest-bearing deposits | 64,477,000 | 63,691,000 | 61,346,000 | 61,424,000 |
| Noninterest-bearing deposits | 5,382,000 | 6,045,000 | 5,930,000 | 6,072,000 |
| Equity capital | 14,870,000 | 15,101,000 | 15,474,000 | 15,577,000 |
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 | 1,281,000 | 2,519,000 | 3,756,000 | 4,935,000 |
| Interest expense | 535,000 | 1,005,000 | 1,430,000 | 1,805,000 |
| Net interest income | 746,000 | 1,514,000 | 2,326,000 | 3,130,000 |
| Noninterest income | 26,000 | 47,000 | 68,000 | 77,000 |
| Noninterest expense | 364,000 | 686,000 | 1,013,000 | 1,427,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 408,000 | 859,000 | 1,345,000 | 1,588,000 |
| Income tax | 0 | 0 | -43,000 | -44,000 |
| Net income | 408,000 | 859,000 | 1,388,000 | 1,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,870,000 | 15,101,000 | 15,474,000 | 15,577,000 |
| Total capital | 15,481,000 | 15,727,000 | 16,080,000 | 16,166,000 |
| Risk-weighted assets | 48,728,000 | 49,900,000 | 48,301,000 | 46,778,000 |