Call reports 2008
BANK OF PALATINE — 2008
What BANK OF PALATINE 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 | 56,377,000 | 58,231,000 | 56,983,000 | 55,693,000 |
| Total loans | 22,395,000 | 22,637,000 | 22,405,000 | 22,835,000 |
| Allowance for loan losses | 376,000 | 385,000 | 356,000 | 302,000 |
| Securities available for sale | 6,000 | 6,000 | 10,264,000 | 12,181,000 |
| Securities held to maturity | 8,935,000 | 8,980,000 | 4,999,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,105,000 | 52,028,000 | 50,990,000 | 49,611,000 |
| Interest-bearing deposits | 41,922,000 | 43,101,000 | 42,156,000 | 41,819,000 |
| Noninterest-bearing deposits | 8,183,000 | 8,927,000 | 8,834,000 | 7,792,000 |
| Equity capital | 6,145,000 | 6,012,000 | 5,785,000 | 5,996,000 |
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 | 610,000 | 1,147,000 | 1,680,000 | 2,243,000 |
| Interest expense | 265,000 | 505,000 | 726,000 | 923,000 |
| Net interest income | 345,000 | 642,000 | 954,000 | 1,320,000 |
| Noninterest income | 75,000 | 136,000 | 193,000 | 253,000 |
| Noninterest expense | 514,000 | 996,000 | 1,504,000 | 1,908,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 0 |
| Pretax income | -103,000 | -236,000 | -384,000 | -335,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -103,000 | -236,000 | -384,000 | -335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,145,000 | 6,012,000 | 5,864,000 | 5,913,000 |
| Total capital | 6,437,000 | 6,310,000 | 6,217,000 | 6,215,000 |
| Risk-weighted assets | 23,888,000 | 23,763,000 | 28,196,000 | 28,872,000 |