Call reports 2008
BRADFORD NATIONAL BANK OF GREENVILLE, THE — 2008
What BRADFORD NATIONAL BANK OF GREENVILLE, 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 | 190,955,000 | 190,063,000 | 191,727,000 | 184,992,000 |
| Total loans | 106,035,000 | 105,751,000 | 104,997,000 | 100,885,000 |
| Allowance for loan losses | 1,512,000 | 1,508,000 | 1,517,000 | 1,522,000 |
| Securities available for sale | 65,451,000 | 67,982,000 | 62,750,000 | 62,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 290,000 |
| Total deposits | 169,917,000 | 171,409,000 | 179,758,000 | 171,127,000 |
| Interest-bearing deposits | 139,790,000 | 146,761,000 | 156,244,000 | 143,305,000 |
| Noninterest-bearing deposits | 30,127,000 | 24,648,000 | 23,514,000 | 27,822,000 |
| Equity capital | 19,712,000 | 17,036,000 | 10,616,000 | 12,739,000 |
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 | 2,865,000 | 5,608,000 | 8,284,000 | 10,876,000 |
| Interest expense | 1,172,000 | 2,215,000 | 3,240,000 | 4,153,000 |
| Net interest income | 1,693,000 | 3,393,000 | 5,044,000 | 6,723,000 |
| Noninterest income | 286,000 | 639,000 | 982,000 | 1,348,000 |
| Noninterest expense | 1,358,000 | 2,656,000 | 3,854,000 | 4,968,000 |
| Provision for loan losses | 36,000 | 76,000 | 122,000 | 176,000 |
| Pretax income | 585,000 | 1,270,000 | -3,837,000 | -4,454,000 |
| Income tax | 8,000 | 13,000 | -1,000 | -1,000 |
| Net income | 577,000 | 1,257,000 | -3,836,000 | -4,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,945,000 | 18,680,000 | 13,006,000 | 12,560,000 |
| Total capital | 20,457,000 | 20,188,000 | 14,498,000 | 13,924,000 |
| Risk-weighted assets | 128,429,000 | 127,709,000 | 118,704,000 | 111,412,000 |