Call reports 2008
FOLSOM LAKE BANK — 2008
What FOLSOM LAKE 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 | 38,079,000 | 44,229,000 | 52,031,000 | 60,483,000 |
| Total loans | 23,027,000 | 32,639,000 | 36,400,000 | 38,520,000 |
| Allowance for loan losses | 270,000 | 385,000 | 460,000 | 550,000 |
| Securities available for sale | 8,770,000 | 8,403,000 | 8,341,000 | 12,955,000 |
| Securities held to maturity | 0 | 0 | 4,067,000 | 5,947,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,798,000 | 30,467,000 | 38,439,000 | 43,756,000 |
| Interest-bearing deposits | 17,944,000 | 25,113,000 | 30,473,000 | 35,264,000 |
| Noninterest-bearing deposits | 5,854,000 | 5,354,000 | 7,966,000 | 8,492,000 |
| Equity capital | 14,053,000 | 13,495,000 | 13,304,000 | 13,456,000 |
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 | 510,000 | 1,119,000 | 1,807,000 | 2,620,000 |
| Interest expense | 133,000 | 313,000 | 524,000 | 772,000 |
| Net interest income | 377,000 | 806,000 | 1,283,000 | 1,848,000 |
| Noninterest income | 4,000 | 21,000 | 60,000 | 99,000 |
| Noninterest expense | 687,000 | 1,395,000 | 2,132,000 | 3,000,000 |
| Provision for loan losses | 75,000 | 190,000 | 265,000 | 355,000 |
| Pretax income | -367,000 | -744,000 | -1,040,000 | -1,360,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -367,000 | -744,000 | -1,040,000 | -1,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,654,000 | 13,346,000 | 13,125,000 | 12,877,000 |
| Total capital | 13,924,000 | 13,731,000 | 13,585,000 | 13,427,000 |
| Risk-weighted assets | 28,610,000 | 38,430,000 | 45,747,000 | 48,947,000 |