Call reports 2008
BANK REALE — 2008
What BANK REALE 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 | 39,015,000 | 36,914,000 | 34,132,000 | 36,352,000 |
| Total loans | 30,989,000 | 28,580,000 | 25,287,000 | 24,849,000 |
| Allowance for loan losses | 970,000 | 877,000 | 537,000 | 630,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,585,000 | 31,600,000 | 28,592,000 | 31,183,000 |
| Interest-bearing deposits | 27,841,000 | 25,611,000 | 24,760,000 | 25,418,000 |
| Noninterest-bearing deposits | 5,744,000 | 5,989,000 | 3,833,000 | 5,765,000 |
| Equity capital | 5,152,000 | 5,037,000 | 5,203,000 | 4,955,000 |
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 | 726,000 | 1,339,000 | 1,896,000 | 2,379,000 |
| Interest expense | 300,000 | 554,000 | 803,000 | 1,007,000 |
| Net interest income | 426,000 | 785,000 | 1,093,000 | 1,372,000 |
| Noninterest income | 34,000 | 82,000 | 129,000 | 155,000 |
| Noninterest expense | 572,000 | 1,186,000 | 1,663,000 | 2,202,000 |
| Provision for loan losses | 0 | -92,000 | -381,000 | -264,000 |
| Pretax income | -112,000 | -227,000 | -60,000 | -411,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -112,000 | -227,000 | -60,000 | -411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,152,000 | 5,037,000 | 5,203,000 | 4,955,000 |
| Total capital | 5,582,000 | 5,459,000 | 5,585,000 | 5,327,000 |
| Risk-weighted assets | 37,020,000 | 33,104,000 | 30,372,000 | 29,541,000 |