Call reports 2008
NOAH BANK — 2008
What NOAH 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 | 86,124,000 | 84,760,000 | 87,135,000 | 106,871,000 |
| Total loans | 60,580,000 | 63,386,000 | 62,164,000 | 66,107,000 |
| Allowance for loan losses | 827,000 | 827,000 | 1,012,000 | 1,142,000 |
| Securities available for sale | 2,650,000 | 12,551,000 | 11,783,000 | 33,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,570,000 | 67,668,000 | 72,134,000 | 92,587,000 |
| Interest-bearing deposits | 61,550,000 | 58,891,000 | 64,817,000 | 85,074,000 |
| Noninterest-bearing deposits | 9,020,000 | 8,777,000 | 7,317,000 | 7,513,000 |
| Equity capital | 14,782,000 | 14,735,000 | 13,957,000 | 13,799,000 |
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 | 1,498,000 | 2,988,000 | 4,381,000 | 5,943,000 |
| Interest expense | 617,000 | 1,214,000 | 1,787,000 | 2,502,000 |
| Net interest income | 881,000 | 1,774,000 | 2,594,000 | 3,441,000 |
| Noninterest income | 116,000 | 264,000 | 410,000 | 525,000 |
| Noninterest expense | 1,042,000 | 2,075,000 | 3,155,000 | 4,245,000 |
| Provision for loan losses | -100,000 | -100,000 | 85,000 | 220,000 |
| Pretax income | 55,000 | 63,000 | -1,236,000 | -1,481,000 |
| Income tax | 19,000 | 22,000 | -433,000 | -518,000 |
| Net income | 36,000 | 41,000 | -803,000 | -963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,775,000 | 14,780,000 | 13,936,000 | 13,749,000 |
| Total capital | 15,602,000 | 15,607,000 | 14,816,000 | 14,739,000 |
| Risk-weighted assets | 69,251,000 | 71,305,000 | 70,287,000 | 79,026,000 |