Call reports 2008
BANK — 2008
What 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 | 58,519,000 | 62,929,000 | 62,436,000 | 70,019,000 |
| Total loans | 48,498,000 | 50,949,000 | 53,898,000 | 60,380,000 |
| Allowance for loan losses | 312,000 | 326,000 | 339,000 | 356,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,000 | 5,000 | 5,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,512,000 | 48,782,000 | 48,173,000 | 54,666,000 |
| Interest-bearing deposits | 36,227,000 | 39,837,000 | 38,581,000 | 42,766,000 |
| Noninterest-bearing deposits | 8,285,000 | 8,945,000 | 9,592,000 | 11,900,000 |
| Equity capital | 5,366,000 | 5,476,000 | 5,611,000 | 6,181,000 |
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 | 902,000 | 1,810,000 | 2,776,000 | 3,722,000 |
| Interest expense | 376,000 | 755,000 | 1,126,000 | 1,488,000 |
| Net interest income | 526,000 | 1,055,000 | 1,650,000 | 2,234,000 |
| Noninterest income | 91,000 | 192,000 | 292,000 | 412,000 |
| Noninterest expense | 449,000 | 912,000 | 1,439,000 | 1,932,000 |
| Provision for loan losses | 13,000 | 26,000 | 39,000 | 56,000 |
| Pretax income | 155,000 | 309,000 | 464,000 | 658,000 |
| Income tax | 4,000 | 25,000 | 45,000 | 69,000 |
| Net income | 151,000 | 284,000 | 419,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,366,000 | 5,476,000 | 5,611,000 | 6,181,000 |
| Total capital | 5,678,000 | 5,802,000 | 5,950,000 | 6,537,000 |
| Risk-weighted assets | 50,124,000 | 52,425,000 | 53,535,000 | 61,367,000 |