Call reports 2008
LEADERS BANK, THE — 2008
What LEADERS BANK, THE 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 | 495,193,000 | 587,989,000 | 645,103,000 | 647,761,000 |
| Total loans | 429,345,000 | 517,506,000 | 569,840,000 | 592,018,000 |
| Allowance for loan losses | 5,131,000 | 6,386,000 | 6,843,000 | 7,315,000 |
| Securities available for sale | 24,592,000 | 24,036,000 | 33,669,000 | 33,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,284,000 | 531,628,000 | 581,416,000 | 576,252,000 |
| Interest-bearing deposits | 411,001,000 | 496,406,000 | 537,971,000 | 529,453,000 |
| Noninterest-bearing deposits | 35,283,000 | 35,222,000 | 43,445,000 | 46,799,000 |
| Equity capital | 44,283,000 | 45,777,000 | 51,062,000 | 51,646,000 |
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 | 6,928,000 | 13,728,000 | 21,577,000 | 29,605,000 |
| Interest expense | 4,463,000 | 8,890,000 | 13,810,000 | 18,129,000 |
| Net interest income | 2,465,000 | 4,838,000 | 7,767,000 | 11,476,000 |
| Noninterest income | 236,000 | 483,000 | 835,000 | 1,137,000 |
| Noninterest expense | 2,876,000 | 5,926,000 | 9,121,000 | 12,472,000 |
| Provision for loan losses | 325,000 | 1,425,000 | 2,646,000 | 3,118,000 |
| Pretax income | -500,000 | -2,030,000 | -3,165,000 | -2,977,000 |
| Income tax | -220,000 | -806,000 | -1,271,000 | -1,294,000 |
| Net income | -280,000 | -1,224,000 | -1,894,000 | -1,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,024,000 | 45,830,000 | 51,160,000 | 51,371,000 |
| Total capital | 49,155,000 | 59,716,000 | 65,503,000 | 66,186,000 |
| Risk-weighted assets | 470,191,000 | 563,083,000 | 617,644,000 | 629,265,000 |