Call reports 2008
FIRST CAHAWBA BANK — 2008
What FIRST CAHAWBA 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 | 22,666,000 | 28,602,000 | 37,278,000 | 44,790,000 |
| Total loans | 13,768,000 | 20,488,000 | 23,556,000 | 28,867,000 |
| Allowance for loan losses | 172,000 | 216,000 | 251,000 | 324,000 |
| Securities available for sale | 4,910,000 | 5,256,000 | 8,796,000 | 12,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,285,000 | 17,072,000 | 27,301,000 | 32,790,000 |
| Interest-bearing deposits | 9,617,000 | 13,265,000 | 23,291,000 | 27,891,000 |
| Noninterest-bearing deposits | 2,668,000 | 3,808,000 | 4,011,000 | 4,899,000 |
| Equity capital | 10,366,000 | 10,061,000 | 9,955,000 | 9,938,000 |
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 | 298,000 | 661,000 | 1,100,000 | 1,632,000 |
| Interest expense | 51,000 | 107,000 | 202,000 | 333,000 |
| Net interest income | 247,000 | 554,000 | 898,000 | 1,299,000 |
| Noninterest income | 14,000 | 41,000 | 71,000 | 107,000 |
| Noninterest expense | 496,000 | 1,030,000 | 1,562,000 | 2,038,000 |
| Provision for loan losses | 69,000 | 121,000 | 169,000 | 240,000 |
| Pretax income | -304,000 | -556,000 | -762,000 | -872,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -304,000 | -556,000 | -762,000 | -872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,338,000 | 10,127,000 | 9,954,000 | 9,877,000 |
| Total capital | 10,510,000 | 10,343,000 | 10,205,000 | 10,201,000 |
| Risk-weighted assets | 16,196,000 | 22,622,000 | 27,182,000 | 31,852,000 |