Call reports 2008
STATE BANK OF TOWNSEND, THE — 2008
What STATE BANK OF TOWNSEND, THE 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 | 38,609,000 | 39,071,000 | 38,339,000 | 37,955,000 |
| Total loans | 23,148,000 | 24,430,000 | 26,935,000 | 26,201,000 |
| Allowance for loan losses | 262,000 | 262,000 | 260,000 | 310,000 |
| Securities available for sale | 7,006,000 | 6,130,000 | 5,580,000 | 5,539,000 |
| Securities held to maturity | 18,000 | 18,000 | 17,000 | 17,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,083,000 | 34,561,000 | 33,749,000 | 33,310,000 |
| Interest-bearing deposits | 27,542,000 | 27,637,000 | 26,267,000 | 26,654,000 |
| Noninterest-bearing deposits | 6,541,000 | 6,924,000 | 7,482,000 | 6,656,000 |
| Equity capital | 4,137,000 | 4,180,000 | 4,256,000 | 4,095,000 |
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 | 669,000 | 1,299,000 | 1,937,000 | 2,575,000 |
| Interest expense | 183,000 | 358,000 | 519,000 | 659,000 |
| Net interest income | 486,000 | 941,000 | 1,418,000 | 1,916,000 |
| Noninterest income | 53,000 | 109,000 | 184,000 | 258,000 |
| Noninterest expense | 412,000 | 775,000 | 1,199,000 | 1,681,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 130,000 | 298,000 | 429,000 | 471,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 130,000 | 298,000 | 429,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,069,000 | 4,212,000 | 4,264,000 | 4,081,000 |
| Total capital | 4,331,000 | 4,474,000 | 4,524,000 | 4,370,000 |
| Risk-weighted assets | 22,776,000 | 23,507,000 | 24,917,000 | 23,636,000 |
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