Call reports 2008
COLDWATER NATIVE BANK, THE — 2008
What COLDWATER NATIVE BANK, THE 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 | 15,491,000 | 15,044,000 | 13,779,000 | 15,841,000 |
| Total loans | 2,117,000 | 2,060,000 | 1,826,000 | 2,308,000 |
| Allowance for loan losses | 32,000 | 32,000 | 32,000 | 32,000 |
| Securities available for sale | 7,744,000 | 6,418,000 | 6,374,000 | 6,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,053,000 | 12,170,000 | 10,871,000 | 12,833,000 |
| Interest-bearing deposits | 10,394,000 | 10,272,000 | 9,265,000 | 10,647,000 |
| Noninterest-bearing deposits | 1,659,000 | 1,898,000 | 1,606,000 | 2,186,000 |
| Equity capital | 3,346,000 | 2,773,000 | 2,838,000 | 2,923,000 |
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 | 160,000 | 306,000 | 448,000 | 565,000 |
| Interest expense | 61,000 | 102,000 | 135,000 | 158,000 |
| Net interest income | 99,000 | 204,000 | 313,000 | 407,000 |
| Noninterest income | 7,000 | 13,000 | 20,000 | 26,000 |
| Noninterest expense | 99,000 | 182,000 | 269,000 | 360,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 7,000 | 35,000 | 64,000 | 73,000 |
| Income tax | 1,000 | 8,000 | 13,000 | 14,000 |
| Net income | 6,000 | 27,000 | 51,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,301,000 | 2,823,000 | 2,846,000 | 2,855,000 |
| Total capital | 3,333,000 | 2,855,000 | 2,878,000 | 2,887,000 |
| Risk-weighted assets | 4,852,000 | 4,764,000 | 4,258,000 | 5,053,000 |