Call reports 2008
TSB BANK — 2008
What TSB 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 | 63,874,000 | 63,879,000 | 70,059,000 | 79,174,000 |
| Total loans | 55,650,000 | 56,807,000 | 60,617,000 | 62,758,000 |
| Allowance for loan losses | 586,000 | 594,000 | 690,000 | 677,000 |
| Securities available for sale | 493,000 | 487,000 | 3,582,000 | 7,277,000 |
| Securities held to maturity | 2,685,000 | 2,285,000 | 2,050,000 | 2,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,449,000 | 54,439,000 | 53,002,000 | 68,795,000 |
| Interest-bearing deposits | 46,248,000 | 46,471,000 | 44,327,000 | 58,501,000 |
| Noninterest-bearing deposits | 8,202,000 | 7,968,000 | 8,675,000 | 10,294,000 |
| Equity capital | 6,150,000 | 6,249,000 | 6,350,000 | 6,112,000 |
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 | 1,082,000 | 2,100,000 | 3,149,000 | 4,237,000 |
| Interest expense | 448,000 | 850,000 | 1,232,000 | 1,601,000 |
| Net interest income | 634,000 | 1,250,000 | 1,917,000 | 2,636,000 |
| Noninterest income | 137,000 | 259,000 | 362,000 | 473,000 |
| Noninterest expense | 571,000 | 1,129,000 | 1,694,000 | 2,306,000 |
| Provision for loan losses | 0 | 10,000 | 75,000 | 797,000 |
| Pretax income | 200,000 | 370,000 | 510,000 | 6,000 |
| Income tax | 76,000 | 144,000 | 189,000 | -23,000 |
| Net income | 124,000 | 226,000 | 321,000 | 29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,157,000 | 6,257,000 | 6,352,000 | 6,060,000 |
| Total capital | 6,743,000 | 6,851,000 | 7,042,000 | 6,737,000 |
| Risk-weighted assets | 54,879,000 | 54,336,000 | 58,531,000 | 62,213,000 |