Call reports 2008
SMALL BUSINESS BANK — 2008
What SMALL BUSINESS 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 | 85,016,000 | 87,281,000 | 87,235,000 | 90,964,000 |
| Total loans | 68,424,000 | 72,575,000 | 76,355,000 | 76,343,000 |
| Allowance for loan losses | 625,000 | 674,000 | 711,000 | 679,000 |
| Securities available for sale | 9,075,000 | 7,050,000 | 3,710,000 | 7,525,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,507,000 | 60,303,000 | 57,468,000 | 63,359,000 |
| Interest-bearing deposits | 46,855,000 | 46,551,000 | 45,604,000 | 51,325,000 |
| Noninterest-bearing deposits | 12,652,000 | 13,752,000 | 11,864,000 | 12,034,000 |
| Equity capital | 7,686,000 | 7,648,000 | 7,764,000 | 7,995,000 |
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 | 1,335,000 | 2,636,000 | 3,948,000 | 5,243,000 |
| Interest expense | 566,000 | 1,089,000 | 1,584,000 | 2,086,000 |
| Net interest income | 769,000 | 1,547,000 | 2,364,000 | 3,157,000 |
| Noninterest income | 215,000 | 377,000 | 558,000 | 706,000 |
| Noninterest expense | 771,000 | 1,533,000 | 2,307,000 | 3,039,000 |
| Provision for loan losses | 31,000 | 79,000 | 119,000 | 185,000 |
| Pretax income | 182,000 | 312,000 | 513,000 | 656,000 |
| Income tax | 36,000 | 74,000 | 168,000 | 217,000 |
| Net income | 146,000 | 238,000 | 345,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,406,000 | 7,463,000 | 7,570,000 | 7,664,000 |
| Total capital | 8,031,000 | 8,137,000 | 8,281,000 | 8,343,000 |
| Risk-weighted assets | 66,500,000 | 70,658,000 | 72,683,000 | 72,819,000 |