Call reports 2008
HILLCREST BANK FLORIDA — 2008
What HILLCREST BANK FLORIDA 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 | 111,956,000 | 107,520,000 | 118,831,000 | 104,563,000 |
| Total loans | 88,142,000 | 91,062,000 | 95,713,000 | 86,458,000 |
| Allowance for loan losses | 1,058,000 | 1,245,000 | 2,103,000 | 6,819,000 |
| Securities available for sale | 9,460,000 | 8,897,000 | 9,652,000 | 8,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,295,000 | 89,391,000 | 101,870,000 | 86,853,000 |
| Interest-bearing deposits | 90,115,000 | 87,735,000 | 99,756,000 | 85,842,000 |
| Noninterest-bearing deposits | 2,180,000 | 1,656,000 | 2,114,000 | 1,011,000 |
| Equity capital | 15,096,000 | 14,575,000 | 13,346,000 | 12,549,000 |
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 | 1,806,000 | 3,453,000 | 5,193,000 | 6,590,000 |
| Interest expense | 1,043,000 | 2,065,000 | 3,139,000 | 4,133,000 |
| Net interest income | 763,000 | 1,388,000 | 2,054,000 | 2,457,000 |
| Noninterest income | 9,000 | 17,000 | 37,000 | 47,000 |
| Noninterest expense | 1,138,000 | 2,304,000 | 3,459,000 | 4,563,000 |
| Provision for loan losses | 91,000 | 278,000 | 1,760,000 | 6,476,000 |
| Pretax income | -456,000 | -1,176,000 | -3,127,000 | -8,533,000 |
| Income tax | -171,000 | -441,000 | -1,173,000 | -3,200,000 |
| Net income | -285,000 | -735,000 | -1,954,000 | -5,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,709,000 | 12,998,000 | 11,075,000 | 8,216,000 |
| Total capital | 14,767,000 | 14,243,000 | 12,393,000 | 9,442,000 |
| Risk-weighted assets | 98,796,000 | 99,525,000 | 104,659,000 | 92,424,000 |