Call reports 2008
BOM BANK — 2008
What BOM 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 | 116,468,000 | 118,129,000 | 125,506,000 | 134,656,000 |
| Total loans | 84,683,000 | 91,099,000 | 96,665,000 | 102,824,000 |
| Allowance for loan losses | 401,000 | 404,000 | 387,000 | 400,000 |
| Securities available for sale | 13,304,000 | 13,496,000 | 12,432,000 | 12,727,000 |
| Securities held to maturity | 1,061,000 | 1,061,000 | 913,000 | 660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,740,000 | 94,540,000 | 100,859,000 | 109,660,000 |
| Interest-bearing deposits | 77,058,000 | 82,762,000 | 89,196,000 | 95,911,000 |
| Noninterest-bearing deposits | 11,682,000 | 11,778,000 | 11,663,000 | 13,749,000 |
| Equity capital | 8,946,000 | 8,843,000 | 9,498,000 | 10,587,000 |
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 | 1,891,000 | 3,810,000 | 5,840,000 | 7,882,000 |
| Interest expense | 860,000 | 1,656,000 | 2,462,000 | 3,297,000 |
| Net interest income | 1,031,000 | 2,154,000 | 3,378,000 | 4,585,000 |
| Noninterest income | 369,000 | 763,000 | 1,195,000 | 1,611,000 |
| Noninterest expense | 1,089,000 | 2,228,000 | 3,416,000 | 4,810,000 |
| Provision for loan losses | 132,000 | 132,000 | 161,000 | 222,000 |
| Pretax income | 173,000 | 551,000 | 990,000 | 1,158,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 173,000 | 551,000 | 990,000 | 1,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,061,000 | 9,214,000 | 9,967,000 | 10,688,000 |
| Total capital | 9,462,000 | 9,618,000 | 10,354,000 | 11,088,000 |
| Risk-weighted assets | 78,661,000 | 82,576,000 | 86,253,000 | 91,125,000 |