Call reports 2008
SAVIBANK — 2008
What SAVIBANK 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 | 127,204,000 | 135,674,000 | 128,683,000 | 125,811,000 |
| Total loans | 111,310,000 | 117,065,000 | 117,393,000 | 113,400,000 |
| Allowance for loan losses | 1,396,000 | 1,547,000 | 1,750,000 | 2,163,000 |
| Securities available for sale | 5,517,000 | 5,719,000 | 4,663,000 | 5,214,000 |
| Securities held to maturity | 749,000 | 750,000 | 750,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,276,000 | 102,039,000 | 97,267,000 | 88,612,000 |
| Interest-bearing deposits | 87,560,000 | 94,089,000 | 88,400,000 | 79,673,000 |
| Noninterest-bearing deposits | 7,716,000 | 7,950,000 | 8,867,000 | 8,939,000 |
| Equity capital | 15,201,000 | 15,172,000 | 14,868,000 | 13,361,000 |
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 | 2,145,000 | 4,286,000 | 6,434,000 | 8,407,000 |
| Interest expense | 1,022,000 | 1,989,000 | 2,957,000 | 3,828,000 |
| Net interest income | 1,123,000 | 2,297,000 | 3,477,000 | 4,579,000 |
| Noninterest income | 100,000 | 234,000 | 311,000 | 377,000 |
| Noninterest expense | 875,000 | 1,876,000 | 2,858,000 | 3,925,000 |
| Provision for loan losses | 191,000 | 338,000 | 527,000 | 2,839,000 |
| Pretax income | 157,000 | 317,000 | -68,000 | -2,279,000 |
| Income tax | 54,000 | 108,000 | 109,000 | -505,000 |
| Net income | 103,000 | 209,000 | -177,000 | -1,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,071,000 | 15,190,000 | 14,839,000 | 13,251,000 |
| Total capital | 16,467,000 | 16,723,000 | 16,341,000 | 14,683,000 |
| Risk-weighted assets | 116,720,000 | 122,548,000 | 119,897,000 | 113,824,000 |