Call reports 2008
ALBINA COMMUNITY BANK — 2008
What ALBINA COMMUNITY 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 | 189,418,000 | 196,501,000 | 206,116,000 | 213,506,000 |
| Total loans | 149,825,000 | 154,651,000 | 161,795,000 | 163,271,000 |
| Allowance for loan losses | 2,277,000 | 3,315,000 | 3,066,000 | 2,736,000 |
| Securities available for sale | 10,744,000 | 18,765,000 | 17,863,000 | 17,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,834,000 | 146,130,000 | 158,119,000 | 167,250,000 |
| Interest-bearing deposits | 124,242,000 | 126,351,000 | 135,546,000 | 147,860,000 |
| Noninterest-bearing deposits | 22,593,000 | 19,779,000 | 22,573,000 | 19,390,000 |
| Equity capital | 16,396,000 | 15,723,000 | 15,827,000 | 16,872,000 |
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 | 3,046,000 | 6,040,000 | 8,981,000 | 11,957,000 |
| Interest expense | 1,281,000 | 2,440,000 | 3,593,000 | 4,764,000 |
| Net interest income | 1,765,000 | 3,600,000 | 5,388,000 | 7,193,000 |
| Noninterest income | 377,000 | 721,000 | 1,766,000 | 2,368,000 |
| Noninterest expense | 1,785,000 | 3,478,000 | 5,070,000 | 6,644,000 |
| Provision for loan losses | 875,000 | 2,050,000 | 3,030,000 | 3,850,000 |
| Pretax income | -518,000 | -1,194,000 | -933,000 | -920,000 |
| Income tax | -199,000 | -424,000 | -358,000 | -354,000 |
| Net income | -319,000 | -770,000 | -575,000 | -566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,198,000 | 15,761,000 | 15,945,000 | 16,964,000 |
| Total capital | 18,248,000 | 17,858,000 | 18,153,000 | 19,108,000 |
| Risk-weighted assets | 162,929,000 | 165,718,000 | 175,701,000 | 170,931,000 |