Call reports 2008
AFB&T — 2008
What AFB&T 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 | 1,331,234,000 | 1,353,797,000 | 1,618,779,000 | 1,600,387,000 |
| Total loans | 1,088,762,000 | 1,091,880,000 | 1,318,129,000 | 1,303,728,000 |
| Allowance for loan losses | 12,552,000 | 12,062,000 | 16,344,000 | 17,231,000 |
| Securities available for sale | 141,159,000 | 146,848,000 | 172,552,000 | 176,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,015,228,000 | 1,082,581,000 | 1,271,852,000 | 1,278,918,000 |
| Interest-bearing deposits | 948,954,000 | 1,024,188,000 | 1,204,179,000 | 1,115,336,000 |
| Noninterest-bearing deposits | 66,274,000 | 58,393,000 | 67,673,000 | 163,582,000 |
| Equity capital | 116,835,000 | 115,853,000 | 134,381,000 | 143,808,000 |
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 | 19,868,000 | 37,498,000 | 66,282,000 | 85,642,000 |
| Interest expense | 9,112,000 | 16,223,000 | 27,730,000 | 35,863,000 |
| Net interest income | 10,756,000 | 21,275,000 | 38,552,000 | 49,779,000 |
| Noninterest income | 2,127,000 | 4,593,000 | 7,133,000 | 9,157,000 |
| Noninterest expense | 6,403,000 | 13,299,000 | 25,568,000 | 34,908,000 |
| Provision for loan losses | 902,000 | 2,204,000 | 6,123,000 | 13,365,000 |
| Pretax income | 5,578,000 | 10,365,000 | 13,994,000 | 10,708,000 |
| Income tax | 1,931,000 | 3,569,000 | 4,691,000 | 3,227,000 |
| Net income | 3,647,000 | 6,796,000 | 9,303,000 | 7,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,301,000 | 115,253,000 | 133,487,000 | 139,458,000 |
| Total capital | 126,853,000 | 127,365,000 | 149,884,000 | 156,749,000 |
| Risk-weighted assets | 1,165,781,000 | 1,187,589,000 | 1,407,745,000 | 1,383,041,000 |