Call reports 2008
SMACKOVER STATE BANK — 2008
What SMACKOVER STATE 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 | 153,085,000 | 160,563,000 | 164,358,000 | 165,943,000 |
| Total loans | 64,127,000 | 64,617,000 | 65,900,000 | 66,774,000 |
| Allowance for loan losses | 1,018,000 | 1,024,000 | 1,011,000 | 1,008,000 |
| Securities available for sale | 34,673,000 | 52,177,000 | 56,960,000 | 59,102,000 |
| Securities held to maturity | 18,123,000 | 17,204,000 | 16,272,000 | 16,047,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,955,000 | 145,028,000 | 147,928,000 | 149,054,000 |
| Interest-bearing deposits | 117,225,000 | 123,013,000 | 123,117,000 | 126,247,000 |
| Noninterest-bearing deposits | 19,730,000 | 22,015,000 | 24,811,000 | 22,807,000 |
| Equity capital | 15,523,000 | 14,902,000 | 15,722,000 | 16,340,000 |
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 | 2,020,000 | 4,013,000 | 6,188,000 | 8,332,000 |
| Interest expense | 1,068,000 | 2,079,000 | 3,036,000 | 3,928,000 |
| Net interest income | 952,000 | 1,934,000 | 3,152,000 | 4,404,000 |
| Noninterest income | 144,000 | 345,000 | 519,000 | 678,000 |
| Noninterest expense | 668,000 | 1,371,000 | 2,078,000 | 2,678,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 74,000 |
| Pretax income | 401,000 | 858,000 | 1,543,000 | 2,330,000 |
| Income tax | 99,000 | 216,000 | 412,000 | 636,000 |
| Net income | 302,000 | 642,000 | 1,131,000 | 1,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,392,000 | 15,582,000 | 15,920,000 | 15,933,000 |
| Total capital | 16,324,000 | 16,532,000 | 16,870,000 | 16,887,000 |
| Risk-weighted assets | 74,497,000 | 75,933,000 | 75,912,000 | 76,261,000 |
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