Call reports 2008
SIDNEY STATE BANK — 2008
What SIDNEY 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 | 52,043,000 | 49,649,000 | 48,217,000 | 49,242,000 |
| Total loans | 43,082,000 | 42,377,000 | 42,416,000 | 42,395,000 |
| Allowance for loan losses | 484,000 | 408,000 | 375,000 | 342,000 |
| Securities available for sale | 1,200,000 | 870,000 | 847,000 | 927,000 |
| Securities held to maturity | 1,564,000 | 2,015,000 | 1,931,000 | 1,830,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,863,000 | 39,498,000 | 37,951,000 | 39,152,000 |
| Interest-bearing deposits | 37,980,000 | 36,465,000 | 34,784,000 | 35,779,000 |
| Noninterest-bearing deposits | 3,883,000 | 3,033,000 | 3,167,000 | 3,373,000 |
| Equity capital | 6,019,000 | 5,967,000 | 6,074,000 | 5,912,000 |
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 | 851,000 | 1,670,000 | 2,477,000 | 3,273,000 |
| Interest expense | 299,000 | 583,000 | 854,000 | 1,119,000 |
| Net interest income | 552,000 | 1,087,000 | 1,623,000 | 2,154,000 |
| Noninterest income | 80,000 | 156,000 | 232,000 | 310,000 |
| Noninterest expense | 431,000 | 849,000 | 1,266,000 | 1,699,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 271,000 |
| Pretax income | 180,000 | 349,000 | 520,000 | 497,000 |
| Income tax | 60,000 | 110,000 | 159,000 | 141,000 |
| Net income | 120,000 | 239,000 | 361,000 | 356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,018,000 | 5,987,000 | 6,109,000 | 5,894,000 |
| Total capital | 6,443,000 | 6,395,000 | 6,484,000 | 6,236,000 |
| Risk-weighted assets | 33,935,000 | 32,262,000 | 33,327,000 | 34,943,000 |
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