Call reports 2008
CF BANCORP — 2008
What CF BANCORP 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 | 2,091,306,000 | 2,069,502,000 | 2,022,538,000 | 1,954,783,000 |
| Total loans | 1,534,093,000 | 1,522,684,000 | 1,479,842,000 | 1,434,726,000 |
| Allowance for loan losses | 18,264,000 | 20,209,000 | 32,755,000 | 26,472,000 |
| Securities available for sale | 119,065,000 | 101,868,000 | 98,714,000 | 74,332,000 |
| Securities held to maturity | 293,828,000 | 283,527,000 | 277,051,000 | 250,008,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,316,995,000 | 1,331,437,000 | 1,324,723,000 | 1,298,761,000 |
| Interest-bearing deposits | 1,207,687,000 | 1,225,126,000 | 1,234,966,000 | 1,211,856,000 |
| Noninterest-bearing deposits | 109,308,000 | 106,311,000 | 89,757,000 | 86,905,000 |
| Equity capital | 152,655,000 | 149,789,000 | 139,185,000 | 99,351,000 |
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 | 28,897,000 | 59,794,000 | 89,665,000 | 117,510,000 |
| Interest expense | 16,700,000 | 33,041,000 | 48,764,000 | 63,950,000 |
| Net interest income | 12,197,000 | 26,753,000 | 40,901,000 | 53,560,000 |
| Noninterest income | 2,942,000 | 6,355,000 | 8,798,000 | 9,445,000 |
| Noninterest expense | 11,656,000 | 23,532,000 | 35,595,000 | 57,353,000 |
| Provision for loan losses | 1,131,000 | 13,381,000 | 32,851,000 | 36,200,000 |
| Pretax income | 2,351,000 | -3,216,000 | -18,116,000 | -69,929,000 |
| Income tax | 535,000 | -1,644,000 | -6,980,000 | -17,065,000 |
| Net income | 1,816,000 | -1,572,000 | -11,136,000 | -52,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,418,000 | 143,127,000 | 132,422,000 | 99,522,000 |
| Total capital | 160,731,000 | 163,377,000 | 153,162,000 | 118,771,000 |
| Risk-weighted assets | 1,574,580,000 | 1,613,784,000 | 1,640,026,000 | 1,627,092,000 |