Call reports 2008
PEDESTAL BANK — 2008
What PEDESTAL 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 | 285,380,000 | 287,299,000 | 292,510,000 | 325,747,000 |
| Total loans | 195,166,000 | 207,797,000 | 217,760,000 | 226,640,000 |
| Allowance for loan losses | 2,614,000 | 2,702,000 | 2,870,000 | 2,976,000 |
| Securities available for sale | 52,421,000 | 51,414,000 | 49,634,000 | 48,419,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,017,000 | 231,137,000 | 244,938,000 | 277,595,000 |
| Interest-bearing deposits | 185,614,000 | 177,569,000 | 185,319,000 | 202,501,000 |
| Noninterest-bearing deposits | 56,402,000 | 53,568,000 | 59,619,000 | 75,094,000 |
| Equity capital | 25,691,000 | 25,322,000 | 23,807,000 | 24,768,000 |
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 | 4,534,000 | 9,156,000 | 13,895,000 | 18,643,000 |
| Interest expense | 1,543,000 | 2,884,000 | 4,335,000 | 5,752,000 |
| Net interest income | 2,991,000 | 6,272,000 | 9,560,000 | 12,891,000 |
| Noninterest income | 424,000 | 936,000 | 1,359,000 | 1,772,000 |
| Noninterest expense | 2,117,000 | 4,523,000 | 6,723,000 | 9,031,000 |
| Provision for loan losses | 95,000 | 182,000 | 348,000 | 468,000 |
| Pretax income | 1,203,000 | 2,503,000 | 3,848,000 | 5,164,000 |
| Income tax | 0 | -169,000 | -169,000 | -169,000 |
| Net income | 1,203,000 | 2,672,000 | 4,017,000 | 5,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,474,000 | 24,902,000 | 25,633,000 | 26,897,000 |
| Total capital | 27,088,000 | 27,604,000 | 28,503,000 | 29,873,000 |
| Risk-weighted assets | 227,695,000 | 237,439,000 | 244,404,000 | 257,755,000 |