Call reports 2008
TERRABANK, NATIONAL ASSOCIATION — 2008
What TERRABANK, NATIONAL ASSOCIATION 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 | 246,172,000 | 236,431,000 | 231,884,000 | 242,518,000 |
| Total loans | 87,190,000 | 85,134,000 | 82,899,000 | 82,392,000 |
| Allowance for loan losses | 1,727,000 | 2,073,000 | 1,870,000 | 1,598,000 |
| Securities available for sale | 140,540,000 | 139,339,000 | 136,205,000 | 133,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,721,000 | 206,879,000 | 203,807,000 | 198,124,000 |
| Interest-bearing deposits | 184,377,000 | 180,793,000 | 176,132,000 | 175,023,000 |
| Noninterest-bearing deposits | 28,344,000 | 26,086,000 | 27,675,000 | 23,101,000 |
| Equity capital | 31,929,000 | 28,716,000 | 26,972,000 | 27,495,000 |
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 | 3,513,000 | 6,780,000 | 9,989,000 | 13,113,000 |
| Interest expense | 2,018,000 | 3,835,000 | 5,513,000 | 7,138,000 |
| Net interest income | 1,495,000 | 2,945,000 | 4,476,000 | 5,975,000 |
| Noninterest income | 370,000 | 703,000 | 997,000 | 777,000 |
| Noninterest expense | 2,653,000 | 5,301,000 | 7,841,000 | 10,288,000 |
| Provision for loan losses | 77,000 | 107,000 | 271,000 | 271,000 |
| Pretax income | -795,000 | -1,287,000 | -3,376,000 | -4,544,000 |
| Income tax | 0 | 0 | 0 | -177,000 |
| Net income | -795,000 | -1,287,000 | -3,376,000 | -4,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,502,000 | 30,009,000 | 27,921,000 | 26,930,000 |
| Total capital | 31,949,000 | 31,435,000 | 29,303,000 | 28,322,000 |
| Risk-weighted assets | 115,340,000 | 113,318,000 | 109,989,000 | 111,119,000 |