Call reports 2008
IDAHO TRUST BANK — 2008
What IDAHO TRUST 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 | 98,459,000 | 95,886,000 | 108,865,000 | 106,028,000 |
| Total loans | 60,580,000 | 73,526,000 | 81,488,000 | 73,437,000 |
| Allowance for loan losses | 506,000 | 684,000 | 958,000 | 1,718,000 |
| Securities available for sale | 29,019,000 | 5,903,000 | 17,340,000 | 2,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,906,000 | 68,764,000 | 81,643,000 | 80,570,000 |
| Interest-bearing deposits | 67,278,000 | 64,495,000 | 77,744,000 | 74,668,000 |
| Noninterest-bearing deposits | 2,628,000 | 4,269,000 | 3,899,000 | 5,902,000 |
| Equity capital | 25,508,000 | 25,218,000 | 24,982,000 | 23,392,000 |
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 | 1,323,000 | 2,408,000 | 3,753,000 | 4,911,000 |
| Interest expense | 483,000 | 879,000 | 1,410,000 | 1,903,000 |
| Net interest income | 840,000 | 1,529,000 | 2,343,000 | 3,008,000 |
| Noninterest income | 607,000 | 1,228,000 | 1,854,000 | 2,366,000 |
| Noninterest expense | 1,378,000 | 2,852,000 | 4,382,000 | 5,825,000 |
| Provision for loan losses | -8,000 | 170,000 | 444,000 | 2,897,000 |
| Pretax income | 97,000 | -245,000 | -787,000 | -3,516,000 |
| Income tax | 41,000 | -89,000 | -293,000 | -1,356,000 |
| Net income | 56,000 | -156,000 | -494,000 | -2,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,506,000 | 25,293,000 | 24,894,000 | 21,681,000 |
| Total capital | 26,021,000 | 25,989,000 | 25,864,000 | 22,771,000 |
| Risk-weighted assets | 91,876,000 | 90,282,000 | 92,076,000 | 86,594,000 |