Call reports 2008
DR BANK — 2008
What DR 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 | 47,582,000 | 52,144,000 | 77,857,000 | 99,311,000 |
| Total loans | 30,513,000 | 38,381,000 | 51,629,000 | 65,219,000 |
| Allowance for loan losses | 254,000 | 338,000 | 471,000 | 629,000 |
| Securities available for sale | 2,659,000 | 116,000 | 3,116,000 | 130,000 |
| Securities held to maturity | 0 | 25,000 | 25,000 | 12,131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,731,000 | 41,303,000 | 63,732,000 | 86,402,000 |
| Interest-bearing deposits | 34,662,000 | 37,080,000 | 58,401,000 | 80,112,000 |
| Noninterest-bearing deposits | 4,069,000 | 4,223,000 | 5,331,000 | 6,290,000 |
| Equity capital | 6,931,000 | 6,319,000 | 5,500,000 | 4,197,000 |
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 | 509,000 | 1,046,000 | 1,672,000 | 2,589,000 |
| Interest expense | 218,000 | 420,000 | 692,000 | 1,336,000 |
| Net interest income | 291,000 | 626,000 | 980,000 | 1,253,000 |
| Noninterest income | 10,000 | 22,000 | 38,000 | 60,000 |
| Noninterest expense | 892,000 | 1,860,000 | 2,989,000 | 4,188,000 |
| Provision for loan losses | 99,000 | 186,000 | 316,000 | 751,000 |
| Pretax income | -690,000 | -1,398,000 | -2,287,000 | -3,626,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -690,000 | -1,398,000 | -2,287,000 | -3,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,931,000 | 6,319,000 | 5,500,000 | 4,197,000 |
| Total capital | 7,185,000 | 6,657,000 | 5,971,000 | 4,826,000 |
| Risk-weighted assets | 36,059,000 | 39,998,000 | 54,139,000 | 62,674,000 |