Call reports 2008
BELL BANK — 2008
What BELL BANK 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 | 1,822,203,000 | 1,906,809,000 | 1,934,025,000 | 1,926,633,000 |
| Total loans | 1,647,388,000 | 1,728,351,000 | 1,721,432,000 | 1,702,447,000 |
| Allowance for loan losses | 15,371,000 | 16,412,000 | 16,142,000 | 20,760,000 |
| Securities available for sale | 99,469,000 | 89,069,000 | 98,376,000 | 105,906,000 |
| Securities held to maturity | 1,917,000 | 909,000 | 907,000 | 1,188,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,470,138,000 | 1,500,888,000 | 1,590,740,000 | 1,580,401,000 |
| Interest-bearing deposits | 1,274,229,000 | 1,297,290,000 | 1,390,328,000 | 1,347,031,000 |
| Noninterest-bearing deposits | 195,909,000 | 203,598,000 | 200,412,000 | 233,370,000 |
| Equity capital | 165,026,000 | 170,557,000 | 173,738,000 | 174,710,000 |
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 | 28,217,000 | 55,107,000 | 82,510,000 | 109,073,000 |
| Interest expense | 13,241,000 | 24,339,000 | 35,104,000 | 44,767,000 |
| Net interest income | 14,976,000 | 30,768,000 | 47,406,000 | 64,306,000 |
| Noninterest income | 3,808,000 | 8,069,000 | 12,244,000 | 15,838,000 |
| Noninterest expense | 12,832,000 | 26,240,000 | 39,356,000 | 52,229,000 |
| Provision for loan losses | 750,000 | 2,000,000 | 4,500,000 | 12,500,000 |
| Pretax income | 5,233,000 | 10,681,000 | 15,878,000 | 15,501,000 |
| Income tax | 1,982,000 | 4,016,000 | 6,011,000 | 5,667,000 |
| Net income | 3,251,000 | 6,665,000 | 9,867,000 | 9,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,359,000 | 169,772,000 | 172,975,000 | 172,942,000 |
| Total capital | 178,730,000 | 186,184,000 | 189,117,000 | 193,702,000 |
| Risk-weighted assets | 1,728,273,000 | 1,811,923,000 | 1,808,340,000 | 1,789,038,000 |