Call reports 2008
BONVENU BANK, N.A. — 2008
What BONVENU BANK, N.A. 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 | 296,894,000 | 290,587,000 | 304,939,000 | 342,083,000 |
| Total loans | 199,508,000 | 208,195,000 | 210,880,000 | 220,856,000 |
| Allowance for loan losses | 1,599,000 | 1,639,000 | 1,738,000 | 1,828,000 |
| Securities available for sale | 59,818,000 | 44,510,000 | 52,719,000 | 57,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,332,000 | 244,308,000 | 255,958,000 | 294,925,000 |
| Interest-bearing deposits | 185,527,000 | 173,747,000 | 180,062,000 | 223,159,000 |
| Noninterest-bearing deposits | 64,805,000 | 70,561,000 | 75,896,000 | 71,766,000 |
| Equity capital | 25,313,000 | 25,618,000 | 26,375,000 | 28,227,000 |
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 | 4,309,000 | 8,445,000 | 12,733,000 | 16,933,000 |
| Interest expense | 1,469,000 | 2,672,000 | 3,777,000 | 4,667,000 |
| Net interest income | 2,840,000 | 5,773,000 | 8,956,000 | 12,266,000 |
| Noninterest income | 746,000 | 1,521,000 | 2,336,000 | 3,216,000 |
| Noninterest expense | 2,556,000 | 5,094,000 | 7,822,000 | 10,509,000 |
| Provision for loan losses | 110,000 | 230,000 | 350,000 | 470,000 |
| Pretax income | 920,000 | 1,970,000 | 3,239,000 | 4,622,000 |
| Income tax | 284,000 | 586,000 | 1,003,000 | 1,435,000 |
| Net income | 636,000 | 1,384,000 | 2,236,000 | 3,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,082,000 | 25,831,000 | 26,681,000 | 27,633,000 |
| Total capital | 26,681,000 | 27,470,000 | 28,419,000 | 29,461,000 |
| Risk-weighted assets | 211,718,000 | 238,224,000 | 220,321,000 | 236,137,000 |