Call reports 2008
BANK OF TUSCALOOSA, THE — 2008
What BANK OF TUSCALOOSA, THE 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 | 483,540,000 | 484,214,000 | 501,008,000 | 514,054,000 |
| Total loans | 408,817,000 | 414,801,000 | 425,445,000 | 444,994,000 |
| Allowance for loan losses | 5,384,000 | 8,409,000 | 7,685,000 | 9,335,000 |
| Securities available for sale | 50,907,000 | 49,693,000 | 54,236,000 | 55,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,208,000 | 426,443,000 | 427,601,000 | 429,345,000 |
| Interest-bearing deposits | 402,858,000 | 408,124,000 | 410,674,000 | 364,407,000 |
| Noninterest-bearing deposits | 18,350,000 | 18,319,000 | 16,927,000 | 64,938,000 |
| Equity capital | 43,873,000 | 42,269,000 | 42,463,000 | 42,514,000 |
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 | 7,508,000 | 14,178,000 | 20,931,000 | 27,477,000 |
| Interest expense | 3,061,000 | 5,689,000 | 8,219,000 | 10,355,000 |
| Net interest income | 4,447,000 | 8,489,000 | 12,712,000 | 17,122,000 |
| Noninterest income | 899,000 | 1,550,000 | 2,421,000 | 3,372,000 |
| Noninterest expense | 2,321,000 | 4,631,000 | 7,083,000 | 9,618,000 |
| Provision for loan losses | -147,000 | 3,156,000 | 2,848,000 | 4,779,000 |
| Pretax income | 3,172,000 | 2,252,000 | 5,202,000 | 6,097,000 |
| Income tax | 1,188,000 | 833,000 | 1,938,000 | 2,231,000 |
| Net income | 1,984,000 | 1,419,000 | 3,264,000 | 3,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,524,000 | 41,649,000 | 42,017,000 | 41,069,000 |
| Total capital | 47,908,000 | 47,298,000 | 47,673,000 | 46,747,000 |
| Risk-weighted assets | 455,810,000 | 449,171,000 | 455,458,000 | 450,568,000 |