Call reports 2008
ARCOLA HOMESTEAD SAVINGS BANK — 2008
What ARCOLA HOMESTEAD SAVINGS 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 | 9,933,000 | 9,897,000 | 9,935,000 | 14,785,000 |
| Total loans | 4,473,000 | 4,867,000 | 8,042,000 | 12,888,000 |
| Allowance for loan losses | 22,000 | 22,000 | 22,000 | 123,000 |
| Securities available for sale | 993,000 | 657,000 | 626,000 | 285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,408,000 | 7,447,000 | 7,468,000 | 12,482,000 |
| Interest-bearing deposits | 7,316,000 | 7,372,000 | 7,336,000 | 12,281,000 |
| Noninterest-bearing deposits | 92,000 | 76,000 | 132,000 | 200,000 |
| Equity capital | 2,482,000 | 2,409,000 | 2,407,000 | 2,229,000 |
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 | 117,000 | 216,000 | 375,000 | 525,000 |
| Interest expense | 72,000 | 147,000 | 216,000 | 319,000 |
| Net interest income | 45,000 | 69,000 | 159,000 | 206,000 |
| Noninterest income | 2,000 | 4,000 | 7,000 | 11,000 |
| Noninterest expense | 88,000 | 182,000 | 278,000 | 405,000 |
| Provision for loan losses | 0 | 0 | 0 | 101,000 |
| Pretax income | -41,000 | -109,000 | -112,000 | -289,000 |
| Income tax | 0 | 0 | 0 | -3,000 |
| Net income | -41,000 | -109,000 | -112,000 | -286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,474,000 | 2,410,000 | 2,406,000 | 2,228,000 |
| Total capital | 2,496,000 | 2,432,000 | 2,428,000 | 2,351,000 |
| Risk-weighted assets | 5,409,000 | 5,728,000 | 7,496,000 | 11,501,000 |