Call reports 2008
FRAZER BANK — 2008
What FRAZER 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 | 263,737,000 | 269,304,000 | 277,529,000 | 285,087,000 |
| Total loans | 79,057,000 | 86,710,000 | 91,562,000 | 85,120,000 |
| Allowance for loan losses | 740,000 | 733,000 | 733,000 | 749,000 |
| Securities available for sale | 170,679,000 | 167,569,000 | 169,452,000 | 178,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,635,000 | 174,059,000 | 173,562,000 | 185,117,000 |
| Interest-bearing deposits | 147,383,000 | 149,399,000 | 150,348,000 | 163,642,000 |
| Noninterest-bearing deposits | 21,252,000 | 24,660,000 | 23,214,000 | 21,475,000 |
| Equity capital | 22,997,000 | 17,409,000 | 22,165,000 | 25,388,000 |
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 | 3,597,000 | 7,089,000 | 10,715,000 | 14,416,000 |
| Interest expense | 2,024,000 | 3,881,000 | 5,697,000 | 7,407,000 |
| Net interest income | 1,573,000 | 3,208,000 | 5,018,000 | 7,009,000 |
| Noninterest income | 334,000 | 728,000 | 1,094,000 | 1,417,000 |
| Noninterest expense | 1,394,000 | 2,979,000 | 4,573,000 | 6,518,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 30,000 |
| Pretax income | 513,000 | 957,000 | 1,531,000 | 1,886,000 |
| Income tax | 13,000 | 13,000 | 13,000 | 13,000 |
| Net income | 500,000 | 944,000 | 1,518,000 | 1,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,190,000 | 21,868,000 | 23,348,000 | 23,227,000 |
| Total capital | 22,930,000 | 22,601,000 | 24,081,000 | 23,976,000 |
| Risk-weighted assets | 112,535,000 | 122,694,000 | 126,203,000 | 122,937,000 |
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