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 | 205,064,000 | 207,161,000 | 212,956,000 | 214,332,000 |
| Total loans | 158,705,000 | 163,504,000 | 168,641,000 | 172,194,000 |
| Allowance for loan losses | 1,600,000 | 1,935,000 | 2,250,000 | 2,004,000 |
| Securities available for sale | 32,283,000 | 33,913,000 | 34,727,000 | 32,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,495,000 | 180,997,000 | 180,559,000 | 190,950,000 |
| Interest-bearing deposits | 176,896,000 | 173,374,000 | 173,447,000 | 183,882,000 |
| Noninterest-bearing deposits | 6,599,000 | 7,623,000 | 7,112,000 | 7,068,000 |
| Equity capital | 19,597,000 | 18,812,000 | 19,470,000 | 18,818,000 |
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 | 3,860,000 | 7,904,000 | 11,395,000 | 14,556,000 |
| Interest expense | 1,326,000 | 2,514,000 | 3,593,000 | 4,706,000 |
| Net interest income | 2,534,000 | 5,390,000 | 7,802,000 | 9,850,000 |
| Noninterest income | 339,000 | 709,000 | 1,190,000 | 1,541,000 |
| Noninterest expense | 2,082,000 | 4,179,000 | 6,061,000 | 8,010,000 |
| Provision for loan losses | 30,000 | 364,000 | 776,000 | 2,249,000 |
| Pretax income | 811,000 | 1,559,000 | 2,158,000 | 1,137,000 |
| Income tax | 8,000 | 8,000 | 18,000 | 0 |
| Net income | 803,000 | 1,551,000 | 2,140,000 | 1,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,958,000 | 19,116,000 | 19,195,000 | 18,192,000 |
| Total capital | 20,558,000 | 21,051,000 | 21,445,000 | 20,196,000 |
| Risk-weighted assets | 173,119,000 | 176,945,000 | 180,901,000 | 182,667,000 |