Call reports 2008
GLADEWATER NATIONAL BANK — 2008
What GLADEWATER 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 | 26,652,000 | 26,796,000 | 26,767,000 | 28,021,000 |
| Total loans | 15,164,000 | 14,930,000 | 14,106,000 | 15,945,000 |
| Allowance for loan losses | 220,000 | 221,000 | 216,000 | 603,000 |
| Securities available for sale | 1,615,000 | 2,543,000 | 1,520,000 | 1,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,342,000 | 22,527,000 | 22,485,000 | 24,174,000 |
| Interest-bearing deposits | 16,880,000 | 16,919,000 | 16,375,000 | 18,722,000 |
| Noninterest-bearing deposits | 5,462,000 | 5,608,000 | 6,110,000 | 5,452,000 |
| Equity capital | 3,978,000 | 3,962,000 | 3,982,000 | 3,581,000 |
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 | 377,000 | 696,000 | 1,026,000 | 1,355,000 |
| Interest expense | 130,000 | 247,000 | 347,000 | 441,000 |
| Net interest income | 247,000 | 449,000 | 679,000 | 914,000 |
| Noninterest income | 67,000 | 142,000 | 226,000 | 323,000 |
| Noninterest expense | 309,000 | 590,000 | 878,000 | 1,182,000 |
| Provision for loan losses | 0 | 0 | 0 | 569,000 |
| Pretax income | 5,000 | 1,000 | 27,000 | -514,000 |
| Income tax | 2,000 | 2,000 | 11,000 | -103,000 |
| Net income | 3,000 | -1,000 | 16,000 | -411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,969,000 | 3,966,000 | 3,982,000 | 3,555,000 |
| Total capital | 4,175,000 | 4,180,000 | 4,198,000 | 3,793,000 |
| Risk-weighted assets | 16,457,000 | 16,322,000 | 17,317,000 | 19,046,000 |
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