Call reports 2008
SAVINGS BANK, THE — 2008
What SAVINGS BANK, THE 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 | 389,335,000 | 389,844,000 | 389,120,000 | 390,866,000 |
| Total loans | 189,995,000 | 196,245,000 | 215,350,000 | 225,181,000 |
| Allowance for loan losses | 1,539,000 | 1,495,000 | 1,585,000 | 1,727,000 |
| Securities available for sale | 89,838,000 | 138,099,000 | 117,135,000 | 111,314,000 |
| Securities held to maturity | 46,134,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,156,000 | 331,182,000 | 331,265,000 | 332,232,000 |
| Interest-bearing deposits | 292,555,000 | 292,594,000 | 295,133,000 | 296,213,000 |
| Noninterest-bearing deposits | 36,601,000 | 38,588,000 | 36,132,000 | 36,019,000 |
| Equity capital | 53,491,000 | 52,121,000 | 51,184,000 | 52,009,000 |
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 | 4,246,000 | 8,567,000 | 12,972,000 | 17,412,000 |
| Interest expense | 2,068,000 | 3,966,000 | 5,631,000 | 7,249,000 |
| Net interest income | 2,178,000 | 4,601,000 | 7,341,000 | 10,163,000 |
| Noninterest income | 1,283,000 | 2,533,000 | 3,811,000 | 5,016,000 |
| Noninterest expense | 4,320,000 | 8,112,000 | 12,251,000 | 16,405,000 |
| Provision for loan losses | 137,000 | 191,000 | 281,000 | 447,000 |
| Pretax income | -996,000 | -1,149,000 | -1,803,000 | -2,150,000 |
| Income tax | -359,000 | -416,000 | -666,000 | -807,000 |
| Net income | -637,000 | -733,000 | -1,137,000 | -1,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,387,000 | 46,434,000 | 46,177,000 | 46,076,000 |
| Total capital | 49,192,000 | 48,896,000 | 48,860,000 | 48,237,000 |
| Risk-weighted assets | 221,185,000 | 225,049,000 | 229,697,000 | 233,386,000 |