Call reports 2008
CARVER STATE BANK — 2008
What CARVER STATE 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 | 36,675,000 | 36,519,000 | 40,750,000 | 41,615,000 |
| Total loans | 25,034,000 | 25,858,000 | 26,679,000 | 27,165,000 |
| Allowance for loan losses | 213,000 | 245,000 | 244,000 | 365,000 |
| Securities available for sale | 4,446,000 | 4,354,000 | 4,348,000 | 4,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,240,000 | 29,979,000 | 34,042,000 | 35,208,000 |
| Interest-bearing deposits | 26,243,000 | 26,242,000 | 29,955,000 | 31,853,000 |
| Noninterest-bearing deposits | 3,997,000 | 3,737,000 | 4,087,000 | 3,355,000 |
| Equity capital | 2,699,000 | 2,874,000 | 3,022,000 | 2,716,000 |
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 | 649,000 | 1,296,000 | 1,997,000 | 2,667,000 |
| Interest expense | 271,000 | 513,000 | 786,000 | 1,060,000 |
| Net interest income | 378,000 | 783,000 | 1,211,000 | 1,607,000 |
| Noninterest income | 178,000 | 601,000 | 1,241,000 | 1,128,000 |
| Noninterest expense | 485,000 | 1,073,000 | 1,663,000 | 2,353,000 |
| Provision for loan losses | 0 | 50,000 | 360,000 | 470,000 |
| Pretax income | 71,000 | 261,000 | 430,000 | -87,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 71,000 | 261,000 | 430,000 | -87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,654,000 | 2,844,000 | 3,012,000 | 2,716,000 |
| Total capital | 2,867,000 | 3,089,000 | 3,256,000 | 3,081,000 |
| Risk-weighted assets | 26,277,000 | 26,765,000 | 28,270,000 | 28,568,000 |
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