Call reports 2008
COMMUNITY NEIGHBOR BANK — 2008
What COMMUNITY NEIGHBOR 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 | 120,277,000 | 117,790,000 | 115,959,000 | 113,240,000 |
| Total loans | 82,206,000 | 81,560,000 | 82,558,000 | 82,691,000 |
| Allowance for loan losses | 1,479,000 | 1,284,000 | 1,272,000 | 1,304,000 |
| Securities available for sale | 18,028,000 | 18,503,000 | 16,978,000 | 17,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,636,000 | 100,291,000 | 98,448,000 | 96,042,000 |
| Interest-bearing deposits | 86,422,000 | 82,675,000 | 83,954,000 | 81,942,000 |
| Noninterest-bearing deposits | 16,214,000 | 17,616,000 | 14,494,000 | 14,100,000 |
| Equity capital | 12,371,000 | 12,162,000 | 12,368,000 | 12,624,000 |
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 | 2,142,000 | 4,198,000 | 6,169,000 | 8,079,000 |
| Interest expense | 873,000 | 1,625,000 | 2,356,000 | 3,062,000 |
| Net interest income | 1,269,000 | 2,573,000 | 3,813,000 | 5,017,000 |
| Noninterest income | 223,000 | 468,000 | 708,000 | 916,000 |
| Noninterest expense | 818,000 | 1,602,000 | 2,698,000 | 3,383,000 |
| Provision for loan losses | 200,000 | 515,000 | 615,000 | 760,000 |
| Pretax income | 474,000 | 924,000 | 1,208,000 | 1,609,000 |
| Income tax | 183,000 | 375,000 | 431,000 | 450,000 |
| Net income | 291,000 | 549,000 | 777,000 | 1,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,063,000 | 12,021,000 | 12,249,000 | 12,331,000 |
| Total capital | 13,157,000 | 13,101,000 | 13,321,000 | 13,371,000 |
| Risk-weighted assets | 87,097,000 | 86,205,000 | 85,590,000 | 82,975,000 |