Call reports 2008
EUROBANK — 2008
What EUROBANK 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 | 2,792,787,000 | 2,828,719,000 | 2,783,436,000 | 2,859,489,000 |
| Total loans | 1,835,031,000 | 1,840,409,000 | 1,796,519,000 | 1,771,450,000 |
| Allowance for loan losses | 26,428,000 | 30,155,000 | 21,374,000 | 29,039,000 |
| Securities available for sale | 793,244,000 | 786,722,000 | 768,624,000 | 751,017,000 |
| Securities held to maturity | 28,315,000 | 25,962,000 | 42,903,000 | 132,798,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,967,032,000 | 2,050,304,000 | 2,026,077,000 | 2,084,853,000 |
| Interest-bearing deposits | 1,843,223,000 | 1,931,476,000 | 1,913,890,000 | 1,975,663,000 |
| Noninterest-bearing deposits | 123,809,000 | 118,828,000 | 112,187,000 | 109,190,000 |
| Equity capital | 199,549,000 | 182,247,000 | 173,824,000 | 174,368,000 |
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 | 42,639,000 | 82,982,000 | 123,232,000 | 159,010,000 |
| Interest expense | 27,003,000 | 52,346,000 | 76,513,000 | 100,370,000 |
| Net interest income | 15,636,000 | 30,636,000 | 46,719,000 | 58,640,000 |
| Noninterest income | 3,500,000 | 6,640,000 | 8,776,000 | 10,714,000 |
| Noninterest expense | 13,187,000 | 25,700,000 | 39,032,000 | 50,461,000 |
| Provision for loan losses | 7,833,000 | 17,820,000 | 25,800,000 | 42,314,000 |
| Pretax income | -1,884,000 | -6,244,000 | -9,146,000 | -23,230,000 |
| Income tax | -1,250,000 | -4,153,000 | -6,608,000 | -13,267,000 |
| Net income | -634,000 | -2,091,000 | -2,538,000 | -9,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 196,808,000 | 191,849,000 | 191,336,000 | 180,792,000 |
| Total capital | 222,891,000 | 217,851,000 | 212,984,000 | 206,264,000 |
| Risk-weighted assets | 2,085,966,000 | 2,075,683,000 | 2,029,886,000 | 2,033,900,000 |