Call reports 2008
BENCHMARK COMMUNITY BANK — 2008
What BENCHMARK 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 | 365,960,000 | 356,983,000 | 368,797,000 | 373,447,000 |
| Total loans | 299,281,000 | 300,136,000 | 306,630,000 | 312,661,000 |
| Allowance for loan losses | 2,234,000 | 2,219,000 | 2,404,000 | 2,585,000 |
| Securities available for sale | 22,907,000 | 22,242,000 | 21,477,000 | 21,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,378,000 | 317,536,000 | 333,440,000 | 337,752,000 |
| Interest-bearing deposits | 283,523,000 | 273,478,000 | 292,756,000 | 292,382,000 |
| Noninterest-bearing deposits | 46,855,000 | 44,058,000 | 40,685,000 | 45,370,000 |
| Equity capital | 32,461,000 | 31,583,000 | 32,507,000 | 33,141,000 |
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 | 5,745,000 | 11,394,000 | 17,159,000 | 22,884,000 |
| Interest expense | 2,527,000 | 4,918,000 | 7,263,000 | 9,620,000 |
| Net interest income | 3,218,000 | 6,476,000 | 9,896,000 | 13,264,000 |
| Noninterest income | 556,000 | 1,304,000 | 1,992,000 | 2,658,000 |
| Noninterest expense | 2,342,000 | 4,750,000 | 7,315,000 | 9,834,000 |
| Provision for loan losses | 25,000 | 82,000 | 245,000 | 441,000 |
| Pretax income | 1,407,000 | 2,948,000 | 4,328,000 | 5,649,000 |
| Income tax | 414,000 | 911,000 | 1,296,000 | 1,693,000 |
| Net income | 993,000 | 2,037,000 | 3,032,000 | 3,956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,140,000 | 30,371,000 | 31,311,000 | 31,697,000 |
| Total capital | 33,374,000 | 32,590,000 | 33,716,000 | 34,282,000 |
| Risk-weighted assets | 276,685,000 | 275,667,000 | 282,033,000 | 286,480,000 |