Call reports 2008
CREDICARD NATIONAL BANK — 2008
What CREDICARD NATIONAL 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 | 13,988,000 | 14,226,000 | 14,966,000 | 15,897,000 |
| Total loans | 10,831,000 | 11,819,000 | 12,443,000 | 11,104,000 |
| Allowance for loan losses | 164,000 | 164,000 | 524,000 | 624,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,497,000 | 11,821,000 | 12,898,000 | 12,822,000 |
| Interest-bearing deposits | 11,145,000 | 11,542,000 | 12,472,000 | 12,599,000 |
| Noninterest-bearing deposits | 352,000 | 279,000 | 426,000 | 223,000 |
| Equity capital | 2,437,000 | 2,365,000 | 2,014,000 | 3,027,000 |
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 | 475,000 | 1,024,000 | 1,698,000 | 2,297,000 |
| Interest expense | 146,000 | 290,000 | 441,000 | 594,000 |
| Net interest income | 329,000 | 734,000 | 1,257,000 | 1,703,000 |
| Noninterest income | 3,000 | 7,000 | 9,000 | 11,000 |
| Noninterest expense | 394,000 | 790,000 | 1,232,000 | 1,683,000 |
| Provision for loan losses | 32,000 | 117,000 | 552,000 | 936,000 |
| Pretax income | -94,000 | -166,000 | -518,000 | -905,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -94,000 | -166,000 | -518,000 | -905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,437,000 | 2,365,000 | 2,014,000 | 3,027,000 |
| Total capital | 2,601,000 | 2,529,000 | 2,199,000 | 3,202,000 |
| Risk-weighted assets | 13,079,000 | 14,020,000 | 14,466,000 | 13,563,000 |
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