Call reports 2008
KODABANK — 2008
What KODABANK 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 | 45,751,000 | 45,451,000 | 44,111,000 | 45,124,000 |
| Total loans | 32,298,000 | 33,295,000 | 34,680,000 | 33,371,000 |
| Allowance for loan losses | 507,000 | 560,000 | 529,000 | 492,000 |
| Securities available for sale | 7,725,000 | 7,856,000 | 6,444,000 | 7,700,000 |
| Securities held to maturity | 580,000 | 565,000 | 947,000 | 1,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,181,000 | 38,649,000 | 35,268,000 | 38,375,000 |
| Interest-bearing deposits | 35,108,000 | 34,307,000 | 30,999,000 | 31,566,000 |
| Noninterest-bearing deposits | 5,073,000 | 4,342,000 | 4,269,000 | 6,809,000 |
| Equity capital | 5,095,000 | 5,148,000 | 5,236,000 | 5,123,000 |
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 | 797,000 | 1,561,000 | 2,348,000 | 3,103,000 |
| Interest expense | 294,000 | 560,000 | 821,000 | 1,061,000 |
| Net interest income | 503,000 | 1,001,000 | 1,527,000 | 2,042,000 |
| Noninterest income | 60,000 | 118,000 | 178,000 | 231,000 |
| Noninterest expense | 214,000 | 429,000 | 644,000 | 890,000 |
| Provision for loan losses | 100,000 | 150,000 | 250,000 | 305,000 |
| Pretax income | 249,000 | 540,000 | 811,000 | 1,078,000 |
| Income tax | 10,000 | 30,000 | 50,000 | 69,000 |
| Net income | 239,000 | 510,000 | 761,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,951,000 | 5,132,000 | 5,188,000 | 4,956,000 |
| Total capital | 5,330,000 | 5,518,000 | 5,590,000 | 5,349,000 |
| Risk-weighted assets | 30,159,000 | 30,730,000 | 32,062,000 | 31,328,000 |