Call reports 2008
AUBURNBANK — 2008
What AUBURNBANK 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 | 724,502,000 | 726,691,000 | 730,778,000 | 743,775,000 |
| Total loans | 334,814,000 | 348,875,000 | 357,519,000 | 372,981,000 |
| Allowance for loan losses | 4,075,000 | 4,049,000 | 4,226,000 | 4,398,000 |
| Securities available for sale | 322,843,000 | 323,705,000 | 316,148,000 | 302,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,522,000 | 541,607,000 | 526,867,000 | 551,699,000 |
| Interest-bearing deposits | 443,168,000 | 435,547,000 | 416,142,000 | 472,741,000 |
| Noninterest-bearing deposits | 95,354,000 | 106,060,000 | 110,725,000 | 78,958,000 |
| Equity capital | 58,397,000 | 55,532,000 | 54,057,000 | 60,076,000 |
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 | 10,042,000 | 19,921,000 | 29,728,000 | 39,377,000 |
| Interest expense | 5,286,000 | 10,302,000 | 15,183,000 | 20,094,000 |
| Net interest income | 4,756,000 | 9,619,000 | 14,545,000 | 19,283,000 |
| Noninterest income | 1,015,000 | 1,979,000 | 4,206,000 | 5,108,000 |
| Noninterest expense | 3,135,000 | 6,203,000 | 10,091,000 | 13,078,000 |
| Provision for loan losses | 60,000 | 240,000 | 620,000 | 870,000 |
| Pretax income | 2,619,000 | 5,250,000 | 8,135,000 | 9,275,000 |
| Income tax | 685,000 | 1,367,000 | 2,139,000 | 2,237,000 |
| Net income | 1,934,000 | 3,883,000 | 5,996,000 | 7,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,690,000 | 57,861,000 | 59,199,000 | 59,473,000 |
| Total capital | 60,765,000 | 61,910,000 | 63,425,000 | 63,871,000 |
| Risk-weighted assets | 415,384,000 | 425,773,000 | 436,397,000 | 442,954,000 |