Call reports 2008
SIMPLYBANK. — 2008
What SIMPLYBANK. 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 | 208,929,000 | 209,421,000 | 212,560,000 | 211,525,000 |
| Total loans | 169,434,000 | 171,301,000 | 173,409,000 | 175,984,000 |
| Allowance for loan losses | 1,588,000 | 1,671,000 | 1,588,000 | 1,174,000 |
| Securities available for sale | 21,183,000 | 19,667,000 | 19,094,000 | 18,365,000 |
| Securities held to maturity | 975,000 | 685,000 | 621,000 | 518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,287,000 | 181,872,000 | 182,238,000 | 182,821,000 |
| Interest-bearing deposits | 152,905,000 | 152,473,000 | 154,983,000 | 160,336,000 |
| Noninterest-bearing deposits | 29,382,000 | 29,399,000 | 27,255,000 | 22,485,000 |
| Equity capital | 17,915,000 | 17,619,000 | 17,506,000 | 16,500,000 |
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 | 3,743,000 | 7,262,000 | 10,654,000 | 14,098,000 |
| Interest expense | 1,381,000 | 2,598,000 | 3,778,000 | 4,934,000 |
| Net interest income | 2,362,000 | 4,664,000 | 6,876,000 | 9,164,000 |
| Noninterest income | 466,000 | 947,000 | 1,420,000 | 1,953,000 |
| Noninterest expense | 1,799,000 | 3,620,000 | 5,466,000 | 7,428,000 |
| Provision for loan losses | 95,000 | 210,000 | 325,000 | 1,650,000 |
| Pretax income | 934,000 | 1,781,000 | 2,505,000 | 2,039,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 934,000 | 1,781,000 | 2,505,000 | 2,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,515,000 | 17,662,000 | 17,751,000 | 16,518,000 |
| Total capital | 19,103,000 | 19,333,000 | 19,339,000 | 17,692,000 |
| Risk-weighted assets | 168,814,000 | 172,032,000 | 174,561,000 | 176,104,000 |