Call reports 2008
BANK OF LUMBER CITY — 2008
What BANK OF LUMBER CITY 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 | 21,035,000 | 21,224,000 | 21,564,000 | 21,367,000 |
| Total loans | 11,313,000 | 12,574,000 | 12,697,000 | 11,987,000 |
| Allowance for loan losses | 309,000 | 276,000 | 250,000 | 255,000 |
| Securities available for sale | 4,795,000 | 4,722,000 | 4,762,000 | 4,731,000 |
| Securities held to maturity | 1,368,000 | 1,316,000 | 1,273,000 | 1,237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,884,000 | 16,848,000 | 15,902,000 | 17,211,000 |
| Interest-bearing deposits | 13,875,000 | 13,440,000 | 12,499,000 | 13,679,000 |
| Noninterest-bearing deposits | 3,009,000 | 3,408,000 | 3,403,000 | 3,532,000 |
| Equity capital | 4,014,000 | 3,987,000 | 4,025,000 | 3,997,000 |
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 | 380,000 | 719,000 | 1,050,000 | 1,379,000 |
| Interest expense | 144,000 | 266,000 | 375,000 | 478,000 |
| Net interest income | 236,000 | 453,000 | 675,000 | 901,000 |
| Noninterest income | 75,000 | 168,000 | 237,000 | 315,000 |
| Noninterest expense | 302,000 | 585,000 | 866,000 | 1,224,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 9,000 | 36,000 | 46,000 | -8,000 |
| Income tax | 0 | 0 | 0 | -25,000 |
| Net income | 9,000 | 36,000 | 46,000 | 17,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,983,000 | 4,011,000 | 4,021,000 | 3,991,000 |
| Total capital | 4,155,000 | 4,190,000 | 4,208,000 | 4,177,000 |
| Risk-weighted assets | 13,649,000 | 14,238,000 | 14,931,000 | 14,790,000 |