Call reports 2008
BANK OF NEW CAMBRIA — 2008
What BANK OF NEW CAMBRIA 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 | 28,969,000 | 28,677,000 | 29,456,000 | 29,516,000 |
| Total loans | 17,458,000 | 18,745,000 | 18,008,000 | 17,910,000 |
| Allowance for loan losses | 218,000 | 229,000 | 235,000 | 251,000 |
| Securities available for sale | 6,711,000 | 6,670,000 | 5,832,000 | 6,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,567,000 | 25,341,000 | 26,076,000 | 26,154,000 |
| Interest-bearing deposits | 23,431,000 | 23,203,000 | 21,088,000 | 23,955,000 |
| Noninterest-bearing deposits | 2,136,000 | 2,138,000 | 4,988,000 | 2,199,000 |
| Equity capital | 3,171,000 | 3,149,000 | 3,179,000 | 3,180,000 |
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 | 449,000 | 882,000 | 1,311,000 | 1,720,000 |
| Interest expense | 184,000 | 345,000 | 497,000 | 640,000 |
| Net interest income | 265,000 | 537,000 | 814,000 | 1,080,000 |
| Noninterest income | 23,000 | 48,000 | 75,000 | 101,000 |
| Noninterest expense | 251,000 | 491,000 | 746,000 | 999,000 |
| Provision for loan losses | 6,000 | 17,000 | 23,000 | 39,000 |
| Pretax income | 31,000 | 77,000 | 120,000 | 143,000 |
| Income tax | 2,000 | 6,000 | 13,000 | 16,000 |
| Net income | 29,000 | 71,000 | 107,000 | 127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,042,000 | 3,084,000 | 3,120,000 | 3,068,000 |
| Total capital | 3,260,000 | 3,313,000 | 3,355,000 | 3,319,000 |
| Risk-weighted assets | 20,270,000 | 21,394,000 | 21,471,000 | 20,798,000 |