Call reports 2008
TRADITIONS BANK — 2008
What TRADITIONS BANK 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 | 166,543,000 | 169,744,000 | 183,169,000 | 185,396,000 |
| Total loans | 139,373,000 | 144,712,000 | 148,312,000 | 152,600,000 |
| Allowance for loan losses | 1,531,000 | 1,649,000 | 1,602,000 | 1,648,000 |
| Securities available for sale | 8,800,000 | 10,308,000 | 9,743,000 | 9,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,737,000 | 152,236,000 | 166,368,000 | 168,135,000 |
| Interest-bearing deposits | 137,799,000 | 138,399,000 | 153,663,000 | 155,492,000 |
| Noninterest-bearing deposits | 12,938,000 | 13,837,000 | 12,705,000 | 12,643,000 |
| Equity capital | 12,661,000 | 13,035,000 | 13,831,000 | 14,390,000 |
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 | 3,096,000 | 6,249,000 | 9,482,000 | 12,683,000 |
| Interest expense | 1,393,000 | 2,655,000 | 3,925,000 | 5,254,000 |
| Net interest income | 1,703,000 | 3,594,000 | 5,557,000 | 7,429,000 |
| Noninterest income | 436,000 | 907,000 | 1,302,000 | 1,778,000 |
| Noninterest expense | 1,350,000 | 2,724,000 | 4,298,000 | 5,871,000 |
| Provision for loan losses | 148,000 | 328,000 | 603,000 | 800,000 |
| Pretax income | 641,000 | 1,449,000 | 1,958,000 | 2,536,000 |
| Income tax | 231,000 | 522,000 | 711,000 | 883,000 |
| Net income | 410,000 | 927,000 | 1,247,000 | 1,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,689,000 | 13,242,000 | 14,096,000 | 14,538,000 |
| Total capital | 14,220,000 | 14,891,000 | 15,698,000 | 16,186,000 |
| Risk-weighted assets | 135,221,000 | 139,296,000 | 144,453,000 | 148,892,000 |