Call reports 2008
TRADERS BANK, INC. — 2008
What TRADERS BANK, INC. 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 | 107,814,000 | 113,710,000 | 110,940,000 | 170,209,000 |
| Total loans | 54,090,000 | 51,862,000 | 50,456,000 | 102,751,000 |
| Allowance for loan losses | 1,838,000 | 1,839,000 | 2,083,000 | 2,340,000 |
| Securities available for sale | 39,756,000 | 37,311,000 | 35,056,000 | 38,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,641,000 | 94,750,000 | 91,889,000 | 138,288,000 |
| Interest-bearing deposits | 77,868,000 | 76,619,000 | 74,180,000 | 114,928,000 |
| Noninterest-bearing deposits | 16,773,000 | 18,131,000 | 17,709,000 | 23,360,000 |
| Equity capital | 12,548,000 | 17,782,000 | 18,098,000 | 30,198,000 |
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 | 1,522,000 | 879,000 | 2,166,000 | 5,913,000 |
| Interest expense | 580,000 | 256,000 | 626,000 | 1,739,000 |
| Net interest income | 942,000 | 623,000 | 1,540,000 | 4,174,000 |
| Noninterest income | 202,000 | 115,000 | 263,000 | 680,000 |
| Noninterest expense | 1,154,000 | 487,000 | 1,377,000 | 3,439,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -10,000 | 251,000 | 426,000 | 1,415,000 |
| Income tax | 0 | 112,000 | 178,000 | 524,000 |
| Net income | -10,000 | 139,000 | 248,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,218,000 | 9,673,000 | 8,219,000 | 14,357,000 |
| Total capital | 12,934,000 | 10,379,000 | 8,893,000 | 15,584,000 |
| Risk-weighted assets | 58,393,000 | 55,316,000 | 52,480,000 | 96,957,000 |