Call reports 2008
CALLAWAY BANK, THE — 2008
What CALLAWAY 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 | 318,409,000 | 305,508,000 | 302,299,000 | 289,912,000 |
| Total loans | 210,727,000 | 207,433,000 | 210,475,000 | 199,585,000 |
| Allowance for loan losses | 2,873,000 | 2,918,000 | 3,051,000 | 2,196,000 |
| Securities available for sale | 73,334,000 | 74,620,000 | 66,316,000 | 59,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,854,000 | 225,731,000 | 217,594,000 | 222,341,000 |
| Interest-bearing deposits | 225,321,000 | 210,186,000 | 200,902,000 | 200,171,000 |
| Noninterest-bearing deposits | 16,533,000 | 15,545,000 | 16,692,000 | 22,170,000 |
| Equity capital | 29,794,000 | 29,406,000 | 28,708,000 | 28,590,000 |
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 | 4,937,000 | 9,451,000 | 13,696,000 | 17,618,000 |
| Interest expense | 2,128,000 | 3,826,000 | 5,322,000 | 6,705,000 |
| Net interest income | 2,809,000 | 5,625,000 | 8,374,000 | 10,913,000 |
| Noninterest income | 701,000 | 1,506,000 | 2,330,000 | 3,088,000 |
| Noninterest expense | 2,837,000 | 5,277,000 | 8,021,000 | 10,939,000 |
| Provision for loan losses | 120,000 | 240,000 | 1,498,000 | 3,058,000 |
| Pretax income | 564,000 | 1,630,000 | 772,000 | -399,000 |
| Income tax | 105,000 | 410,000 | 168,000 | -499,000 |
| Net income | 459,000 | 1,220,000 | 604,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,593,000 | 30,130,000 | 29,364,000 | 28,629,000 |
| Total capital | 32,316,000 | 32,802,000 | 32,049,000 | 30,977,000 |
| Risk-weighted assets | 217,564,000 | 213,401,000 | 214,257,000 | 201,215,000 |