Call reports 2008
BENCHMARK BANK — 2008
What BENCHMARK 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 | 233,459,000 | 235,918,000 | 220,408,000 | 216,318,000 |
| Total loans | 173,099,000 | 171,734,000 | 162,301,000 | 160,121,000 |
| Allowance for loan losses | 2,378,000 | 2,355,000 | 2,860,000 | 8,808,000 |
| Securities available for sale | 50,573,000 | 46,029,000 | 43,795,000 | 40,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,421,000 | 208,518,000 | 195,315,000 | 198,366,000 |
| Interest-bearing deposits | 183,299,000 | 183,597,000 | 178,844,000 | 175,503,000 |
| Noninterest-bearing deposits | 20,122,000 | 24,921,000 | 16,471,000 | 22,863,000 |
| Equity capital | 18,506,000 | 17,270,000 | 16,107,000 | 8,907,000 |
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 | 3,830,000 | 7,437,000 | 10,658,000 | 13,521,000 |
| Interest expense | 2,049,000 | 3,825,000 | 5,529,000 | 7,002,000 |
| Net interest income | 1,781,000 | 3,612,000 | 5,129,000 | 6,519,000 |
| Noninterest income | 213,000 | 408,000 | 636,000 | 803,000 |
| Noninterest expense | 1,548,000 | 3,053,000 | 4,593,000 | 6,500,000 |
| Provision for loan losses | 915,000 | 1,295,000 | 1,975,000 | 8,473,000 |
| Pretax income | -469,000 | -371,000 | -856,000 | -7,704,000 |
| Income tax | -189,000 | -179,000 | -385,000 | -332,000 |
| Net income | -280,000 | -192,000 | -471,000 | -7,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,833,000 | 17,835,000 | 17,466,000 | 11,689,000 |
| Total capital | 20,211,000 | 20,190,000 | 19,839,000 | 14,089,000 |
| Risk-weighted assets | 198,474,000 | 199,164,000 | 189,382,000 | 187,647,000 |