Call reports 2008
DEDICATED COMMUNITY BANK — 2008
What DEDICATED COMMUNITY 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 | 41,157,000 | 43,375,000 | 42,902,000 | 41,883,000 |
| Total loans | 24,246,000 | 25,556,000 | 25,677,000 | 25,774,000 |
| Allowance for loan losses | 277,000 | 277,000 | 268,000 | 238,000 |
| Securities available for sale | 10,443,000 | 9,723,000 | 9,558,000 | 8,867,000 |
| Securities held to maturity | 1,153,000 | 1,153,000 | 1,152,000 | 1,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,706,000 | 38,588,000 | 37,917,000 | 36,746,000 |
| Interest-bearing deposits | 29,441,000 | 30,058,000 | 30,972,000 | 29,997,000 |
| Noninterest-bearing deposits | 6,265,000 | 8,530,000 | 6,945,000 | 6,749,000 |
| Equity capital | 4,850,000 | 4,727,000 | 4,937,000 | 5,090,000 |
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 | 640,000 | 1,244,000 | 1,850,000 | 2,432,000 |
| Interest expense | 189,000 | 339,000 | 469,000 | 590,000 |
| Net interest income | 451,000 | 905,000 | 1,381,000 | 1,842,000 |
| Noninterest income | 104,000 | 211,000 | 311,000 | 397,000 |
| Noninterest expense | 392,000 | 784,000 | 1,179,000 | 1,602,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 82,000 |
| Pretax income | 145,000 | 296,000 | 459,000 | 555,000 |
| Income tax | 56,000 | 105,000 | 165,000 | 205,000 |
| Net income | 89,000 | 191,000 | 294,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,771,000 | 4,873,000 | 4,975,000 | 5,032,000 |
| Total capital | 5,048,000 | 5,150,000 | 5,243,000 | 5,270,000 |
| Risk-weighted assets | 26,919,000 | 28,591,000 | 29,454,000 | 29,538,000 |