Call reports 2008
LOUISA COMMUNITY BANK — 2008
What LOUISA 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 | 15,344,000 | 16,770,000 | 17,519,000 | 19,792,000 |
| Total loans | 10,331,000 | 11,624,000 | 12,360,000 | 14,455,000 |
| Allowance for loan losses | 129,000 | 152,000 | 154,000 | 215,000 |
| Securities available for sale | 2,012,000 | 2,237,000 | 2,192,000 | 2,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,480,000 | 11,024,000 | 12,079,000 | 13,094,000 |
| Interest-bearing deposits | 8,445,000 | 10,030,000 | 10,942,000 | 11,383,000 |
| Noninterest-bearing deposits | 1,035,000 | 994,000 | 1,137,000 | 1,711,000 |
| Equity capital | 4,792,000 | 4,571,000 | 4,538,000 | 4,372,000 |
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 | 232,000 | 485,000 | 736,000 | 1,015,000 |
| Interest expense | 93,000 | 198,000 | 291,000 | 393,000 |
| Net interest income | 139,000 | 287,000 | 445,000 | 622,000 |
| Noninterest income | 32,000 | 67,000 | 106,000 | 140,000 |
| Noninterest expense | 247,000 | 575,000 | 842,000 | 1,128,000 |
| Provision for loan losses | 19,000 | 45,000 | 47,000 | 113,000 |
| Pretax income | -95,000 | -266,000 | -338,000 | -479,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -95,000 | -266,000 | -338,000 | -530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,762,000 | 4,584,000 | 4,526,000 | 4,334,000 |
| Total capital | 4,891,000 | 4,736,000 | 4,680,000 | 4,517,000 |
| Risk-weighted assets | 11,149,000 | 12,554,000 | 12,844,000 | 14,629,000 |