Call reports 2008
TARBORO SAVINGS BANK, SSB — 2008
What TARBORO SAVINGS BANK, SSB 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 | 26,190,000 | 27,096,000 | 25,599,000 | 26,356,000 |
| Total loans | 19,835,000 | 21,249,000 | 21,002,000 | 21,059,000 |
| Allowance for loan losses | 51,000 | 52,000 | 52,000 | 52,000 |
| Securities available for sale | 323,000 | 205,000 | 12,000 | 9,000 |
| Securities held to maturity | 1,219,000 | 1,209,000 | 1,209,000 | 808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,041,000 | 22,032,000 | 20,718,000 | 21,497,000 |
| Interest-bearing deposits | 21,041,000 | 22,032,000 | 20,718,000 | 21,497,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 5,034,000 | 4,972,000 | 4,865,000 | 4,855,000 |
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 | 369,000 | 725,000 | 1,080,000 | 1,415,000 |
| Interest expense | 186,000 | 360,000 | 520,000 | 674,000 |
| Net interest income | 183,000 | 365,000 | 560,000 | 741,000 |
| Noninterest income | 2,000 | 6,000 | 8,000 | 10,000 |
| Noninterest expense | 165,000 | 340,000 | 521,000 | 721,000 |
| Provision for loan losses | 3,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 17,000 | 27,000 | 43,000 | 26,000 |
| Income tax | 3,000 | 3,000 | 5,000 | -4,000 |
| Net income | 14,000 | 24,000 | 38,000 | 30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,842,000 | 4,853,000 | 4,865,000 | 4,855,000 |
| Total capital | 5,033,000 | 4,992,000 | 4,917,000 | 4,907,000 |
| Risk-weighted assets | 12,693,000 | 13,265,000 | 12,847,000 | 13,018,000 |