Call reports 2008
BANK OF SAINT ELIZABETH — 2008
What BANK OF SAINT ELIZABETH 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 | 89,704,000 | 88,857,000 | 88,648,000 | 92,979,000 |
| Total loans | 67,985,000 | 69,520,000 | 69,380,000 | 72,047,000 |
| Allowance for loan losses | 621,000 | 621,000 | 621,000 | 621,000 |
| Securities available for sale | 5,607,000 | 4,075,000 | 2,527,000 | 500,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,488,000 | 73,449,000 | 73,183,000 | 73,128,000 |
| Interest-bearing deposits | 61,299,000 | 60,201,000 | 59,669,000 | 60,001,000 |
| Noninterest-bearing deposits | 13,189,000 | 13,248,000 | 13,514,000 | 13,127,000 |
| Equity capital | 9,934,000 | 9,926,000 | 9,496,000 | 9,856,000 |
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 | 1,455,000 | 2,861,000 | 4,242,000 | 5,603,000 |
| Interest expense | 580,000 | 1,062,000 | 1,501,000 | 1,960,000 |
| Net interest income | 875,000 | 1,799,000 | 2,741,000 | 3,643,000 |
| Noninterest income | 166,000 | 307,000 | 467,000 | 617,000 |
| Noninterest expense | 521,000 | 925,000 | 1,455,000 | 2,205,000 |
| Provision for loan losses | -3,000 | 9,000 | 12,000 | 65,000 |
| Pretax income | 547,000 | 1,196,000 | 1,766,000 | 2,017,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 547,000 | 1,196,000 | 1,766,000 | 2,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,165,000 | 6,254,000 | 5,850,000 | 6,192,000 |
| Total capital | 6,786,000 | 6,875,000 | 6,471,000 | 6,813,000 |
| Risk-weighted assets | 63,119,000 | 63,954,000 | 63,647,000 | 66,095,000 |