Call reports 2008
NECEDAH BANK, THE — 2008
What NECEDAH 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 | 45,709,000 | 44,395,000 | 48,703,000 | 46,587,000 |
| Total loans | 30,124,000 | 29,060,000 | 29,140,000 | 28,953,000 |
| Allowance for loan losses | 296,000 | 328,000 | 373,000 | 440,000 |
| Securities available for sale | 8,951,000 | 5,705,000 | 5,575,000 | 3,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,592,000 | 32,420,000 | 36,433,000 | 34,631,000 |
| Interest-bearing deposits | 27,388,000 | 26,082,000 | 25,200,000 | 25,534,000 |
| Noninterest-bearing deposits | 6,204,000 | 6,338,000 | 11,233,000 | 9,097,000 |
| Equity capital | 6,685,000 | 6,689,000 | 6,943,000 | 6,658,000 |
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 | 663,000 | 1,265,000 | 1,833,000 | 2,469,000 |
| Interest expense | 281,000 | 524,000 | 745,000 | 946,000 |
| Net interest income | 382,000 | 741,000 | 1,088,000 | 1,523,000 |
| Noninterest income | 80,000 | 171,000 | 323,000 | 381,000 |
| Noninterest expense | 233,000 | 476,000 | 686,000 | 898,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 208,000 |
| Pretax income | 209,000 | 422,000 | 666,000 | 913,000 |
| Income tax | 61,000 | 128,000 | 169,000 | 315,000 |
| Net income | 148,000 | 294,000 | 497,000 | 598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,141,000 | 4,294,000 | 4,503,000 | 4,206,000 |
| Total capital | 4,437,000 | 4,622,000 | 4,876,000 | 4,592,000 |
| Risk-weighted assets | 32,026,000 | 31,452,000 | 32,134,000 | 33,676,000 |