Call reports 2008
TRADERS BANK — 2008
What TRADERS 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 | 108,137,000 | 114,703,000 | 118,586,000 | 121,581,000 |
| Total loans | 68,897,000 | 84,889,000 | 91,952,000 | 102,179,000 |
| Allowance for loan losses | 1,672,000 | 1,699,000 | 1,860,000 | 1,930,000 |
| Securities available for sale | 15,190,000 | 10,696,000 | 10,167,000 | 9,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,474,000 | 96,533,000 | 100,235,000 | 102,731,000 |
| Interest-bearing deposits | 72,877,000 | 74,438,000 | 76,780,000 | 81,606,000 |
| Noninterest-bearing deposits | 22,597,000 | 22,095,000 | 23,455,000 | 21,125,000 |
| Equity capital | 12,129,000 | 11,619,000 | 11,802,000 | 12,387,000 |
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 | 1,756,000 | 3,543,000 | 5,415,000 | 7,222,000 |
| Interest expense | 527,000 | 956,000 | 1,431,000 | 1,912,000 |
| Net interest income | 1,229,000 | 2,587,000 | 3,984,000 | 5,310,000 |
| Noninterest income | 292,000 | 629,000 | 964,000 | 1,289,000 |
| Noninterest expense | 962,000 | 2,183,000 | 3,282,000 | 4,433,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 619,000 | 1,137,000 | 1,770,000 | 2,269,000 |
| Income tax | 36,000 | 71,000 | 108,000 | 151,000 |
| Net income | 583,000 | 1,066,000 | 1,662,000 | 2,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,893,000 | 11,702,000 | 11,922,000 | 12,377,000 |
| Total capital | 12,733,000 | 12,666,000 | 12,933,000 | 13,477,000 |
| Risk-weighted assets | 66,194,000 | 76,298,000 | 79,969,000 | 87,017,000 |
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