Call reports 2008
CBANK — 2008
What CBANK 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 | 22,802,000 | 28,074,000 | 41,436,000 | 44,044,000 |
| Total loans | 16,593,000 | 24,574,000 | 27,292,000 | 34,185,000 |
| Allowance for loan losses | 228,000 | 325,000 | 423,000 | 488,000 |
| Securities available for sale | 0 | 0 | 0 | 2,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,027,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,001,000 | 13,513,000 | 27,057,000 | 29,799,000 |
| Interest-bearing deposits | 7,121,000 | 11,562,000 | 24,687,000 | 27,860,000 |
| Noninterest-bearing deposits | 880,000 | 1,951,000 | 2,370,000 | 1,939,000 |
| Equity capital | 14,468,000 | 14,263,000 | 14,020,000 | 13,887,000 |
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 | 252,000 | 582,000 | 978,000 | 1,442,000 |
| Interest expense | 30,000 | 107,000 | 246,000 | 439,000 |
| Net interest income | 222,000 | 475,000 | 732,000 | 1,003,000 |
| Noninterest income | 1,000 | 5,000 | 11,000 | 17,000 |
| Noninterest expense | 390,000 | 755,000 | 1,163,000 | 1,508,000 |
| Provision for loan losses | 68,000 | 165,000 | 263,000 | 328,000 |
| Pretax income | -235,000 | -440,000 | -683,000 | -816,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -235,000 | -440,000 | -683,000 | -816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,468,000 | 14,263,000 | 14,020,000 | 13,887,000 |
| Total capital | 14,694,000 | 14,561,000 | 14,371,000 | 14,307,000 |
| Risk-weighted assets | 17,721,000 | 23,993,000 | 27,981,000 | 33,565,000 |