Call reports 2008
STELLARONE BANK — 2008
What STELLARONE 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 | 1,472,981,000 | 3,006,859,000 | 2,969,515,000 | 2,933,064,000 |
| Total loans | 1,077,330,000 | 2,304,924,000 | 2,295,981,000 | 2,280,434,000 |
| Allowance for loan losses | 11,733,000 | 28,615,000 | 32,101,000 | 30,465,000 |
| Securities available for sale | 189,738,000 | 345,680,000 | 370,170,000 | 325,075,000 |
| Securities held to maturity | 935,000 | 929,000 | 925,000 | 920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,223,379,000 | 2,427,374,000 | 2,362,038,000 | 2,356,725,000 |
| Interest-bearing deposits | 1,080,972,000 | 2,067,887,000 | 2,016,090,000 | 2,015,488,000 |
| Noninterest-bearing deposits | 142,407,000 | 359,487,000 | 345,948,000 | 341,237,000 |
| Equity capital | 204,592,000 | 367,934,000 | 370,387,000 | 374,730,000 |
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 | 7,564,000 | 73,805,000 | 115,724,000 | 155,318,000 |
| Interest expense | 3,365,000 | 26,509,000 | 41,147,000 | 55,467,000 |
| Net interest income | 4,199,000 | 47,296,000 | 74,577,000 | 99,851,000 |
| Noninterest income | 1,799,000 | 12,355,000 | 17,678,000 | 23,996,000 |
| Noninterest expense | 4,299,000 | 39,047,000 | 62,142,000 | 83,974,000 |
| Provision for loan losses | 578,000 | 3,787,000 | 9,787,000 | 20,787,000 |
| Pretax income | 1,137,000 | 16,870,000 | 20,046,000 | 18,813,000 |
| Income tax | 341,000 | 4,853,000 | 5,516,000 | 4,788,000 |
| Net income | 796,000 | 12,017,000 | 14,530,000 | 14,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,058,000 | 285,268,000 | 287,174,000 | 290,886,000 |
| Total capital | 144,791,000 | 313,883,000 | 317,687,000 | 321,089,000 |
| Risk-weighted assets | 1,200,358,000 | 2,431,773,000 | 2,439,486,000 | 2,416,004,000 |
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