Call reports 2008
INEZ DEPOSIT BANK — 2008
What INEZ DEPOSIT 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 | 108,568,000 | 104,759,000 | 103,638,000 | 106,087,000 |
| Total loans | 49,045,000 | 50,337,000 | 52,156,000 | 52,635,000 |
| Allowance for loan losses | 712,000 | 713,000 | 704,000 | 703,000 |
| Securities available for sale | 35,994,000 | 35,986,000 | 37,958,000 | 40,438,000 |
| Securities held to maturity | 20,000 | 12,000 | 5,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,823,000 | 92,157,000 | 90,709,000 | 92,161,000 |
| Interest-bearing deposits | 73,639,000 | 74,017,000 | 73,043,000 | 71,081,000 |
| Noninterest-bearing deposits | 22,184,000 | 18,140,000 | 17,666,000 | 21,080,000 |
| Equity capital | 11,489,000 | 11,141,000 | 11,336,000 | 12,042,000 |
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 | 1,450,000 | 2,883,000 | 4,343,000 | 5,767,000 |
| Interest expense | 612,000 | 1,209,000 | 1,778,000 | 2,317,000 |
| Net interest income | 838,000 | 1,674,000 | 2,565,000 | 3,450,000 |
| Noninterest income | 244,000 | 484,000 | 706,000 | 943,000 |
| Noninterest expense | 835,000 | 1,708,000 | 2,568,000 | 3,385,000 |
| Provision for loan losses | 30,000 | 45,000 | 45,000 | 115,000 |
| Pretax income | 217,000 | 405,000 | 662,000 | 897,000 |
| Income tax | 38,000 | 62,000 | 115,000 | 150,000 |
| Net income | 179,000 | 343,000 | 547,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,934,000 | 10,998,000 | 11,203,000 | 11,303,000 |
| Total capital | 11,569,000 | 11,626,000 | 11,834,000 | 11,969,000 |
| Risk-weighted assets | 50,702,000 | 50,186,000 | 50,430,000 | 53,270,000 |
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