Call reports 2008
STATE BANK OF INDUSTRY — 2008
What STATE BANK OF INDUSTRY 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 | 32,980,000 | 34,365,000 | 33,088,000 | 37,590,000 |
| Total loans | 21,390,000 | 22,252,000 | 22,756,000 | 21,890,000 |
| Allowance for loan losses | 118,000 | 129,000 | 123,000 | 123,000 |
| Securities available for sale | 4,212,000 | 5,193,000 | 4,806,000 | 7,281,000 |
| Securities held to maturity | 1,533,000 | 1,235,000 | 2,374,000 | 1,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,008,000 | 29,313,000 | 27,983,000 | 32,638,000 |
| Interest-bearing deposits | 25,178,000 | 26,558,000 | 25,814,000 | 29,839,000 |
| Noninterest-bearing deposits | 2,831,000 | 2,755,000 | 2,169,000 | 2,799,000 |
| Equity capital | 4,669,000 | 4,703,000 | 4,712,000 | 4,631,000 |
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 | 498,000 | 992,000 | 1,498,000 | 1,970,000 |
| Interest expense | 196,000 | 393,000 | 589,000 | 780,000 |
| Net interest income | 302,000 | 599,000 | 909,000 | 1,190,000 |
| Noninterest income | 43,000 | 98,000 | 147,000 | 191,000 |
| Noninterest expense | 196,000 | 388,000 | 575,000 | 783,000 |
| Provision for loan losses | 9,000 | 18,000 | 33,000 | 75,000 |
| Pretax income | 140,000 | 291,000 | 448,000 | 335,000 |
| Income tax | 24,000 | 60,000 | 95,000 | 136,000 |
| Net income | 116,000 | 231,000 | 353,000 | 199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,651,000 | 4,726,000 | 4,848,000 | 4,574,000 |
| Total capital | 4,769,000 | 4,855,000 | 4,971,000 | 4,697,000 |
| Risk-weighted assets | 23,709,000 | 24,433,000 | 25,074,000 | 24,034,000 |
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