Call reports 2008
BANK OF ERATH — 2008
What BANK OF ERATH 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 | 76,952,000 | 74,915,000 | 76,507,000 | 85,180,000 |
| Total loans | 44,087,000 | 43,417,000 | 44,862,000 | 47,234,000 |
| Allowance for loan losses | 573,000 | 556,000 | 511,000 | 581,000 |
| Securities available for sale | 23,638,000 | 22,853,000 | 21,605,000 | 25,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,797,000 | 62,594,000 | 63,973,000 | 72,529,000 |
| Interest-bearing deposits | 41,855,000 | 40,807,000 | 40,600,000 | 45,751,000 |
| Noninterest-bearing deposits | 22,942,000 | 21,787,000 | 23,373,000 | 26,778,000 |
| Equity capital | 11,563,000 | 11,591,000 | 11,720,000 | 11,560,000 |
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 | 1,202,000 | 2,344,000 | 3,393,000 | 4,417,000 |
| Interest expense | 253,000 | 483,000 | 680,000 | 866,000 |
| Net interest income | 949,000 | 1,861,000 | 2,713,000 | 3,551,000 |
| Noninterest income | 103,000 | 189,000 | 300,000 | 399,000 |
| Noninterest expense | 712,000 | 1,416,000 | 2,168,000 | 2,987,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 340,000 | 634,000 | 845,000 | 863,000 |
| Income tax | 105,000 | 201,000 | 283,000 | 186,000 |
| Net income | 235,000 | 433,000 | 562,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,279,000 | 11,545,000 | 11,674,000 | 11,316,000 |
| Total capital | 11,852,000 | 12,101,000 | 12,185,000 | 11,897,000 |
| Risk-weighted assets | 58,729,000 | 58,053,000 | 59,461,000 | 63,086,000 |