Call reports 2008
MY BANK — 2008
What MY 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 | 149,948,000 | 149,833,000 | 141,795,000 | 140,577,000 |
| Total loans | 102,781,000 | 103,952,000 | 99,687,000 | 99,466,000 |
| Allowance for loan losses | 1,028,000 | 1,059,000 | 1,108,000 | 1,022,000 |
| Securities available for sale | 19,911,000 | 22,179,000 | 21,485,000 | 21,078,000 |
| Securities held to maturity | 7,833,000 | 8,083,000 | 7,728,000 | 7,724,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,674,000 | 127,233,000 | 120,947,000 | 118,935,000 |
| Interest-bearing deposits | 103,112,000 | 100,957,000 | 97,143,000 | 95,378,000 |
| Noninterest-bearing deposits | 23,562,000 | 26,276,000 | 23,804,000 | 23,557,000 |
| Equity capital | 12,540,000 | 12,473,000 | 12,869,000 | 13,399,000 |
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 | 2,520,000 | 4,961,000 | 7,294,000 | 9,515,000 |
| Interest expense | 860,000 | 1,605,000 | 2,234,000 | 2,808,000 |
| Net interest income | 1,660,000 | 3,356,000 | 5,060,000 | 6,707,000 |
| Noninterest income | 386,000 | 805,000 | 1,201,000 | 1,504,000 |
| Noninterest expense | 1,637,000 | 3,304,000 | 4,908,000 | 6,375,000 |
| Provision for loan losses | 12,000 | 47,000 | 127,000 | 177,000 |
| Pretax income | 397,000 | 810,000 | 1,226,000 | 1,659,000 |
| Income tax | 122,000 | 249,000 | 378,000 | 514,000 |
| Net income | 275,000 | 561,000 | 848,000 | 1,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,342,000 | 12,585,000 | 12,827,000 | 13,081,000 |
| Total capital | 13,370,000 | 13,644,000 | 13,935,000 | 14,103,000 |
| Risk-weighted assets | 111,528,000 | 109,600,000 | 104,284,000 | 103,224,000 |