Call reports 2008
FOSTER BANK, THE — 2008
What FOSTER 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 | 533,933,000 | 549,077,000 | 565,200,000 | 569,128,000 |
| Total loans | 486,840,000 | 503,866,000 | 520,809,000 | 530,280,000 |
| Allowance for loan losses | 4,464,000 | 4,696,000 | 4,714,000 | 6,466,000 |
| Securities available for sale | 19,195,000 | 17,925,000 | 17,316,000 | 16,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,603,000 | 403,098,000 | 411,554,000 | 426,083,000 |
| Interest-bearing deposits | 299,710,000 | 299,389,000 | 310,479,000 | 329,920,000 |
| Noninterest-bearing deposits | 98,893,000 | 103,709,000 | 101,075,000 | 96,163,000 |
| Equity capital | 53,811,000 | 53,777,000 | 55,246,000 | 55,489,000 |
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 | 8,702,000 | 16,967,000 | 25,558,000 | 33,806,000 |
| Interest expense | 4,019,000 | 7,643,000 | 11,136,000 | 14,412,000 |
| Net interest income | 4,683,000 | 9,324,000 | 14,422,000 | 19,394,000 |
| Noninterest income | 992,000 | 2,059,000 | 3,196,000 | 5,355,000 |
| Noninterest expense | 3,763,000 | 7,502,000 | 11,290,000 | 15,133,000 |
| Provision for loan losses | 180,000 | 400,000 | 660,000 | 3,560,000 |
| Pretax income | 1,732,000 | 3,481,000 | 5,668,000 | 6,056,000 |
| Income tax | 31,000 | 63,000 | 99,000 | 140,000 |
| Net income | 1,701,000 | 3,418,000 | 5,569,000 | 5,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,455,000 | 53,851,000 | 55,100,000 | 55,178,000 |
| Total capital | 57,919,000 | 58,547,000 | 59,814,000 | 61,326,000 |
| Risk-weighted assets | 474,186,000 | 487,528,000 | 485,707,000 | 490,726,000 |