Call reports 2008
INSIGHT BANK — 2008
What INSIGHT 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 | 47,985,000 | 53,437,000 | 62,502,000 | 67,532,000 |
| Total loans | 38,615,000 | 47,598,000 | 55,114,000 | 59,098,000 |
| Allowance for loan losses | 444,000 | 491,000 | 583,000 | 776,000 |
| Securities available for sale | 3,565,000 | 3,253,000 | 3,260,000 | 2,821,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,870,000 | 38,538,000 | 46,333,000 | 52,516,000 |
| Interest-bearing deposits | 28,062,000 | 33,019,000 | 39,085,000 | 42,436,000 |
| Noninterest-bearing deposits | 5,808,000 | 5,519,000 | 7,248,000 | 10,080,000 |
| Equity capital | 10,802,000 | 10,658,000 | 10,730,000 | 10,549,000 |
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 | 693,000 | 1,439,000 | 2,338,000 | 3,304,000 |
| Interest expense | 318,000 | 649,000 | 1,031,000 | 1,427,000 |
| Net interest income | 375,000 | 790,000 | 1,307,000 | 1,877,000 |
| Noninterest income | 164,000 | 460,000 | 849,000 | 1,078,000 |
| Noninterest expense | 632,000 | 1,399,000 | 2,180,000 | 3,059,000 |
| Provision for loan losses | 71,000 | 120,000 | 211,000 | 404,000 |
| Pretax income | -150,000 | -249,000 | -215,000 | -488,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -150,000 | -249,000 | -215,000 | -488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,763,000 | 10,695,000 | 10,759,000 | 10,516,000 |
| Total capital | 11,207,000 | 11,187,000 | 11,342,000 | 11,205,000 |
| Risk-weighted assets | 36,907,000 | 43,054,000 | 50,427,000 | 55,014,000 |