Call reports 2008
BORDER TRUST COMPANY — 2008
What BORDER TRUST COMPANY 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 | 93,482,000 | 92,279,000 | 94,162,000 | 90,977,000 |
| Total loans | 62,157,000 | 65,217,000 | 65,890,000 | 65,027,000 |
| Allowance for loan losses | 473,000 | 469,000 | 396,000 | 1,573,000 |
| Securities available for sale | 22,446,000 | 19,627,000 | 19,533,000 | 17,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,401,000 | 73,504,000 | 74,827,000 | 70,942,000 |
| Interest-bearing deposits | 66,233,000 | 63,416,000 | 63,376,000 | 60,156,000 |
| Noninterest-bearing deposits | 11,168,000 | 10,088,000 | 11,451,000 | 10,786,000 |
| Equity capital | 7,002,000 | 6,641,000 | 7,286,000 | 6,057,000 |
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 | 1,378,000 | 2,711,000 | 4,117,000 | 5,414,000 |
| Interest expense | 712,000 | 1,352,000 | 1,941,000 | 2,507,000 |
| Net interest income | 666,000 | 1,359,000 | 2,176,000 | 2,907,000 |
| Noninterest income | 115,000 | 413,000 | 496,000 | 399,000 |
| Noninterest expense | 918,000 | 1,846,000 | 2,747,000 | 3,575,000 |
| Provision for loan losses | -34,000 | -39,000 | -46,000 | 1,762,000 |
| Pretax income | -78,000 | 14,000 | 45,000 | -1,913,000 |
| Income tax | -18,000 | 7,000 | 8,000 | -354,000 |
| Net income | -60,000 | 7,000 | 37,000 | -1,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,353,000 | 6,390,000 | 6,899,000 | 5,249,000 |
| Total capital | 6,860,000 | 6,883,000 | 7,318,000 | 6,041,000 |
| Risk-weighted assets | 64,120,000 | 65,392,000 | 64,511,000 | 61,400,000 |