Call reports 2008
MUTUALONE BANK — 2008
What MUTUALONE 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 | 354,461,000 | 352,653,000 | 345,013,000 | 346,484,000 |
| Total loans | 244,484,000 | 250,625,000 | 260,910,000 | 260,541,000 |
| Allowance for loan losses | 5,007,000 | 4,495,000 | 4,475,000 | 4,553,000 |
| Securities available for sale | 79,472,000 | 78,016,000 | 64,835,000 | 63,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,274,000 | 271,646,000 | 267,384,000 | 260,438,000 |
| Interest-bearing deposits | 256,320,000 | 255,616,000 | 249,147,000 | 244,726,000 |
| Noninterest-bearing deposits | 16,954,000 | 16,030,000 | 18,237,000 | 15,712,000 |
| Equity capital | 76,858,000 | 76,608,000 | 73,094,000 | 73,560,000 |
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 | 5,128,000 | 10,110,000 | 15,178,000 | 20,250,000 |
| Interest expense | 2,410,000 | 4,647,000 | 6,622,000 | 8,417,000 |
| Net interest income | 2,718,000 | 5,463,000 | 8,556,000 | 11,833,000 |
| Noninterest income | 174,000 | 316,000 | 464,000 | 562,000 |
| Noninterest expense | 1,609,000 | 3,785,000 | 5,470,000 | 7,193,000 |
| Provision for loan losses | 25,000 | 925,000 | 975,000 | 1,050,000 |
| Pretax income | 1,258,000 | 1,261,000 | -3,042,000 | -1,633,000 |
| Income tax | 397,000 | 162,000 | -1,309,000 | -875,000 |
| Net income | 861,000 | 1,099,000 | -1,733,000 | -758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,072,000 | 74,258,000 | 71,426,000 | 72,401,000 |
| Total capital | 79,216,000 | 79,266,000 | 76,059,000 | 76,084,000 |
| Risk-weighted assets | 283,306,000 | 283,097,000 | 282,808,000 | 278,740,000 |
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