Call reports 2008
CAPRA BANK — 2008
What CAPRA 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 | 32,059,000 | 31,559,000 | 32,321,000 | 31,550,000 |
| Total loans | 15,368,000 | 15,403,000 | 15,651,000 | 14,941,000 |
| Allowance for loan losses | 196,000 | 153,000 | 189,000 | 192,000 |
| Securities available for sale | 2,529,000 | 4,350,000 | 4,492,000 | 2,950,000 |
| Securities held to maturity | 6,571,000 | 6,975,000 | 7,116,000 | 9,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,007,000 | 27,454,000 | 28,147,000 | 27,470,000 |
| Interest-bearing deposits | 22,627,000 | 23,004,000 | 22,790,000 | 22,624,000 |
| Noninterest-bearing deposits | 5,380,000 | 4,450,000 | 5,357,000 | 4,847,000 |
| Equity capital | 3,807,000 | 3,853,000 | 3,932,000 | 3,890,000 |
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 | 493,000 | 960,000 | 1,442,000 | 1,884,000 |
| Interest expense | 168,000 | 317,000 | 463,000 | 602,000 |
| Net interest income | 325,000 | 643,000 | 979,000 | 1,282,000 |
| Noninterest income | 35,000 | 81,000 | 120,000 | 162,000 |
| Noninterest expense | 243,000 | 497,000 | 716,000 | 1,101,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 120,000 |
| Pretax income | 117,000 | 227,000 | 333,000 | 223,000 |
| Income tax | 6,000 | 12,000 | 17,000 | 7,000 |
| Net income | 111,000 | 215,000 | 316,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,779,000 | 3,865,000 | 3,952,000 | 3,829,000 |
| Total capital | 3,975,000 | 4,018,000 | 4,141,000 | 4,021,000 |
| Risk-weighted assets | 19,136,000 | 18,052,000 | 18,526,000 | 17,745,000 |