Call reports 2008
NEW ALBIN SAVINGS BANK — 2008
What NEW ALBIN SAVINGS 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 | 164,792,000 | 163,541,000 | 164,196,000 | 168,025,000 |
| Total loans | 49,108,000 | 51,693,000 | 53,518,000 | 53,094,000 |
| Allowance for loan losses | 318,000 | 343,000 | 305,000 | 344,000 |
| Securities available for sale | 110,943,000 | 107,915,000 | 106,864,000 | 111,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,427,000 | 119,665,000 | 120,387,000 | 120,486,000 |
| Interest-bearing deposits | 111,235,000 | 113,811,000 | 114,258,000 | 114,426,000 |
| Noninterest-bearing deposits | 5,192,000 | 5,854,000 | 6,129,000 | 6,060,000 |
| Equity capital | 19,610,000 | 18,834,000 | 19,186,000 | 19,843,000 |
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 | 2,178,000 | 4,377,000 | 6,653,000 | 8,879,000 |
| Interest expense | 1,394,000 | 2,684,000 | 3,924,000 | 5,089,000 |
| Net interest income | 784,000 | 1,693,000 | 2,729,000 | 3,790,000 |
| Noninterest income | 18,000 | 30,000 | 52,000 | 79,000 |
| Noninterest expense | 244,000 | 500,000 | 795,000 | 1,179,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 130,000 |
| Pretax income | 558,000 | 1,192,000 | 1,945,000 | 2,559,000 |
| Income tax | 93,000 | 207,000 | 360,000 | 445,000 |
| Net income | 465,000 | 985,000 | 1,585,000 | 2,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,484,000 | 18,004,000 | 18,604,000 | 18,908,000 |
| Total capital | 17,802,000 | 18,347,000 | 18,909,000 | 19,252,000 |
| Risk-weighted assets | 161,750,000 | 162,593,000 | 163,610,000 | 62,237,000 |
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