Call reports 2008
GUERNSEY BANK, THE — 2008
What GUERNSEY BANK, THE 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 | 82,432,000 | 82,207,000 | 93,779,000 | 107,260,000 |
| Total loans | 66,474,000 | 68,850,000 | 76,902,000 | 79,368,000 |
| Allowance for loan losses | 468,000 | 484,000 | 498,000 | 563,000 |
| Securities available for sale | 0 | 0 | 0 | 3,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 11,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,061,000 | 61,963,000 | 73,548,000 | 87,004,000 |
| Interest-bearing deposits | 58,073,000 | 58,176,000 | 69,420,000 | 82,425,000 |
| Noninterest-bearing deposits | 3,988,000 | 3,787,000 | 4,128,000 | 4,579,000 |
| Equity capital | 7,878,000 | 7,898,000 | 7,850,000 | 7,827,000 |
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 | 1,302,000 | 2,578,000 | 3,951,000 | 5,550,000 |
| Interest expense | 652,000 | 1,259,000 | 1,922,000 | 2,660,000 |
| Net interest income | 650,000 | 1,319,000 | 2,029,000 | 2,890,000 |
| Noninterest income | 417,000 | 881,000 | 1,254,000 | 1,436,000 |
| Noninterest expense | 1,070,000 | 2,168,000 | 3,210,000 | 4,187,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 110,000 |
| Pretax income | -18,000 | 2,000 | 28,000 | 29,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -18,000 | 2,000 | 28,000 | 29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,878,000 | 7,898,000 | 7,850,000 | 7,850,000 |
| Total capital | 8,346,000 | 8,382,000 | 8,348,000 | 8,413,000 |
| Risk-weighted assets | 63,162,000 | 64,363,000 | 72,071,000 | 80,035,000 |
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