Call reports 2008
SYMPHONY BANK — 2008
What SYMPHONY 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 | 48,786,000 | 47,813,000 | 56,688,000 | 55,030,000 |
| Total loans | 35,385,000 | 35,596,000 | 39,479,000 | 44,210,000 |
| Allowance for loan losses | 838,000 | 838,000 | 816,000 | 1,686,000 |
| Securities available for sale | 7,790,000 | 7,307,000 | 7,276,000 | 6,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,118,000 | 35,280,000 | 47,688,000 | 47,544,000 |
| Interest-bearing deposits | 34,389,000 | 30,208,000 | 41,932,000 | 39,276,000 |
| Noninterest-bearing deposits | 4,730,000 | 5,072,000 | 5,756,000 | 8,268,000 |
| Equity capital | 7,072,000 | 6,951,000 | 6,606,000 | 5,175,000 |
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 | 699,000 | 1,324,000 | 1,940,000 | 2,572,000 |
| Interest expense | 368,000 | 668,000 | 1,001,000 | 1,363,000 |
| Net interest income | 331,000 | 656,000 | 939,000 | 1,209,000 |
| Noninterest income | 11,000 | 30,000 | 39,000 | 54,000 |
| Noninterest expense | 784,000 | 1,535,000 | 2,333,000 | 3,226,000 |
| Provision for loan losses | 34,000 | 34,000 | 62,000 | 932,000 |
| Pretax income | -472,000 | -879,000 | -1,413,000 | -2,890,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -472,000 | -879,000 | -1,413,000 | -2,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,002,000 | 7,097,000 | 6,562,000 | 5,086,000 |
| Total capital | 7,570,000 | 7,676,000 | 7,283,000 | 5,767,000 |
| Risk-weighted assets | 44,487,000 | 50,387,000 | 59,139,000 | 52,708,000 |
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