Call reports 2008
INBANK — 2008
What INBANK 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 | 187,072,000 | 203,177,000 | 217,898,000 | 208,062,000 |
| Total loans | 132,616,000 | 146,336,000 | 166,088,000 | 159,721,000 |
| Allowance for loan losses | 1,330,000 | 1,577,000 | 1,669,000 | 1,926,000 |
| Securities available for sale | 42,982,000 | 42,308,000 | 38,725,000 | 36,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,073,000 | 170,128,000 | 165,619,000 | 164,241,000 |
| Interest-bearing deposits | 136,349,000 | 139,826,000 | 133,252,000 | 131,695,000 |
| Noninterest-bearing deposits | 32,725,000 | 30,302,000 | 32,367,000 | 32,546,000 |
| Equity capital | 15,875,000 | 15,464,000 | 16,005,000 | 16,925,000 |
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 | 3,079,000 | 6,346,000 | 9,827,000 | 13,264,000 |
| Interest expense | 1,015,000 | 1,860,000 | 2,771,000 | 3,571,000 |
| Net interest income | 2,064,000 | 4,486,000 | 7,056,000 | 9,693,000 |
| Noninterest income | 325,000 | 677,000 | 1,048,000 | 1,654,000 |
| Noninterest expense | 1,399,000 | 2,828,000 | 4,431,000 | 5,946,000 |
| Provision for loan losses | 33,000 | 278,000 | 503,000 | 758,000 |
| Pretax income | 957,000 | 2,057,000 | 3,170,000 | 4,643,000 |
| Income tax | 331,000 | 722,000 | 1,102,000 | 1,634,000 |
| Net income | 626,000 | 1,335,000 | 2,068,000 | 3,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,077,000 | 15,236,000 | 15,420,000 | 15,959,000 |
| Total capital | 16,417,000 | 16,823,000 | 17,099,000 | 17,895,000 |
| Risk-weighted assets | 140,146,000 | 154,994,000 | 174,692,000 | 165,872,000 |