Call reports 2008
MAROA FORSYTH COMMUNITY BANK — 2008
What MAROA FORSYTH 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 | 21,273,000 | 20,579,000 | 21,785,000 | 20,130,000 |
| Total loans | 9,829,000 | 8,649,000 | 8,601,000 | 9,377,000 |
| Allowance for loan losses | 79,000 | 54,000 | 54,000 | 54,000 |
| Securities available for sale | 7,386,000 | 8,378,000 | 8,653,000 | 9,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,776,000 | 17,283,000 | 18,354,000 | 16,180,000 |
| Interest-bearing deposits | 15,373,000 | 15,041,000 | 16,299,000 | 13,533,000 |
| Noninterest-bearing deposits | 2,403,000 | 2,242,000 | 2,055,000 | 2,647,000 |
| Equity capital | 2,803,000 | 2,610,000 | 2,744,000 | 3,017,000 |
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 | 281,000 | 554,000 | 825,000 | 1,101,000 |
| Interest expense | 95,000 | 181,000 | 254,000 | 314,000 |
| Net interest income | 186,000 | 373,000 | 571,000 | 787,000 |
| Noninterest income | 56,000 | 119,000 | 174,000 | 241,000 |
| Noninterest expense | 228,000 | 444,000 | 669,000 | 847,000 |
| Provision for loan losses | 0 | 22,000 | 22,000 | 22,000 |
| Pretax income | 15,000 | 27,000 | 55,000 | 160,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 14,000 | 26,000 | 54,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,499,000 | 2,483,000 | 2,508,000 | 2,568,000 |
| Total capital | 2,578,000 | 2,537,000 | 2,562,000 | 2,622,000 |
| Risk-weighted assets | 11,824,000 | 10,704,000 | 11,059,000 | 10,958,000 |