Call reports 2008
NATIONAL BANK OF MALVERN, THE — 2008
What NATIONAL BANK OF MALVERN, THE 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 | 115,773,000 | 114,253,000 | 117,823,000 | 117,103,000 |
| Total loans | 88,383,000 | 89,388,000 | 88,432,000 | 90,261,000 |
| Allowance for loan losses | 1,865,000 | 1,988,000 | 1,832,000 | 1,832,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,334,000 | 20,370,000 | 20,593,000 | 21,115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,943,000 | 98,075,000 | 101,718,000 | 100,802,000 |
| Interest-bearing deposits | 83,105,000 | 82,389,000 | 85,927,000 | 84,914,000 |
| Noninterest-bearing deposits | 16,838,000 | 15,686,000 | 15,791,000 | 15,889,000 |
| Equity capital | 15,284,000 | 15,586,000 | 15,556,000 | 15,818,000 |
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 | 1,613,000 | 3,228,000 | 4,798,000 | 6,407,000 |
| Interest expense | 781,000 | 1,498,000 | 2,220,000 | 2,929,000 |
| Net interest income | 832,000 | 1,730,000 | 2,578,000 | 3,478,000 |
| Noninterest income | 48,000 | 90,000 | 154,000 | 233,000 |
| Noninterest expense | 499,000 | 957,000 | 1,650,000 | 2,436,000 |
| Provision for loan losses | 0 | 100,000 | 200,000 | 200,000 |
| Pretax income | 381,000 | 763,000 | 882,000 | 1,075,000 |
| Income tax | 139,000 | 219,000 | 367,000 | 299,000 |
| Net income | 242,000 | 544,000 | 515,000 | 776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,284,000 | 15,586,000 | 15,556,000 | 15,818,000 |
| Total capital | 16,222,000 | 16,517,000 | 16,486,000 | 16,751,000 |
| Risk-weighted assets | 74,102,000 | 73,414,000 | 73,482,000 | 73,735,000 |