Call reports 2008
NEW ERA BANK — 2008
What NEW ERA 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 | 252,521,000 | 252,055,000 | 251,303,000 | 267,533,000 |
| Total loans | 198,875,000 | 197,353,000 | 201,187,000 | 200,471,000 |
| Allowance for loan losses | 1,329,000 | 1,326,000 | 1,325,000 | 1,324,000 |
| Securities available for sale | 28,472,000 | 27,708,000 | 28,435,000 | 39,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,971,000 | 208,113,000 | 206,547,000 | 224,291,000 |
| Interest-bearing deposits | 192,818,000 | 187,291,000 | 185,272,000 | 198,688,000 |
| Noninterest-bearing deposits | 16,153,000 | 20,822,000 | 21,275,000 | 25,603,000 |
| Equity capital | 30,333,000 | 30,757,000 | 31,534,000 | 30,622,000 |
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 | 3,871,000 | 7,509,000 | 11,119,000 | 14,611,000 |
| Interest expense | 1,802,000 | 3,404,000 | 4,869,000 | 6,238,000 |
| Net interest income | 2,069,000 | 4,105,000 | 6,250,000 | 8,373,000 |
| Noninterest income | 531,000 | 1,081,000 | 1,593,000 | 2,059,000 |
| Noninterest expense | 1,037,000 | 2,069,000 | 3,121,000 | 4,230,000 |
| Provision for loan losses | 37,000 | 41,000 | 43,000 | 50,000 |
| Pretax income | 1,526,000 | 3,076,000 | 4,679,000 | 6,152,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,526,000 | 3,076,000 | 4,679,000 | 6,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,156,000 | 27,830,000 | 28,557,000 | 27,751,000 |
| Total capital | 28,485,000 | 29,156,000 | 29,882,000 | 29,075,000 |
| Risk-weighted assets | 169,529,000 | 167,911,000 | 170,054,000 | 173,107,000 |