Call reports 2008
TREATY OAK BANK — 2008
What TREATY OAK 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 | 118,325,000 | 120,980,000 | 122,475,000 | 135,990,000 |
| Total loans | 97,807,000 | 104,099,000 | 103,959,000 | 112,748,000 |
| Allowance for loan losses | 880,000 | 1,162,000 | 1,187,000 | 1,491,000 |
| Securities available for sale | 4,000 | 4,000 | 2,000 | 1,000 |
| Securities held to maturity | 1,108,000 | 1,106,000 | 1,086,000 | 1,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,321,000 | 99,567,000 | 107,322,000 | 115,551,000 |
| Interest-bearing deposits | 78,165,000 | 73,581,000 | 82,198,000 | 88,531,000 |
| Noninterest-bearing deposits | 27,156,000 | 25,986,000 | 25,124,000 | 27,021,000 |
| Equity capital | 11,060,000 | 11,345,000 | 11,841,000 | 12,110,000 |
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 | 1,847,000 | 3,514,000 | 5,155,000 | 6,731,000 |
| Interest expense | 674,000 | 1,151,000 | 1,599,000 | 2,026,000 |
| Net interest income | 1,173,000 | 2,363,000 | 3,556,000 | 4,705,000 |
| Noninterest income | 119,000 | 265,000 | 439,000 | 578,000 |
| Noninterest expense | 1,261,000 | 2,562,000 | 3,834,000 | 5,000,000 |
| Provision for loan losses | 86,000 | 386,000 | 485,000 | 790,000 |
| Pretax income | -55,000 | -320,000 | -324,000 | -507,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -55,000 | -320,000 | -324,000 | -507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,870,000 | 10,157,000 | 10,656,000 | 10,805,000 |
| Total capital | 10,750,000 | 11,319,000 | 11,843,000 | 12,296,000 |
| Risk-weighted assets | 106,481,000 | 109,338,000 | 108,948,000 | 120,313,000 |