Call reports 2008
EXCEL BANK — 2008
What EXCEL 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 | 167,824,000 | 169,182,000 | 183,516,000 | 195,743,000 |
| Total loans | 109,460,000 | 123,417,000 | 136,699,000 | 148,707,000 |
| Allowance for loan losses | 1,484,000 | 1,560,000 | 1,736,000 | 1,854,000 |
| Securities available for sale | 35,904,000 | 33,928,000 | 34,318,000 | 32,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,336,000 | 129,943,000 | 133,892,000 | 140,013,000 |
| Interest-bearing deposits | 110,912,000 | 116,490,000 | 120,789,000 | 126,922,000 |
| Noninterest-bearing deposits | 14,424,000 | 13,453,000 | 13,103,000 | 13,091,000 |
| Equity capital | 12,900,000 | 11,739,000 | 12,109,000 | 13,220,000 |
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 | 2,481,000 | 5,066,000 | 7,749,000 | 10,578,000 |
| Interest expense | 1,428,000 | 2,815,000 | 4,183,000 | 5,601,000 |
| Net interest income | 1,053,000 | 2,251,000 | 3,566,000 | 4,977,000 |
| Noninterest income | 308,000 | 503,000 | 949,000 | 1,240,000 |
| Noninterest expense | 1,022,000 | 2,158,000 | 3,234,000 | 4,359,000 |
| Provision for loan losses | 0 | 70,000 | 248,000 | 625,000 |
| Pretax income | 348,000 | 535,000 | 1,042,000 | 1,260,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 348,000 | 535,000 | 1,042,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,266,000 | 12,994,000 | 13,200,000 | 14,002,000 |
| Total capital | 14,679,000 | 14,505,000 | 14,872,000 | 15,847,000 |
| Risk-weighted assets | 112,965,000 | 120,857,000 | 133,715,000 | 147,551,000 |