Call reports 2008
STURDY SAVINGS BANK — 2008
What STURDY SAVINGS 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 | 450,543,000 | 458,885,000 | 457,107,000 | 464,282,000 |
| Total loans | 311,054,000 | 318,553,000 | 316,256,000 | 322,465,000 |
| Allowance for loan losses | 2,559,000 | 2,910,000 | 3,145,000 | 3,167,000 |
| Securities available for sale | 19,687,000 | 27,140,000 | 26,544,000 | 30,354,000 |
| Securities held to maturity | 51,126,000 | 48,143,000 | 48,326,000 | 47,321,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,757,000 | 363,871,000 | 375,401,000 | 354,379,000 |
| Interest-bearing deposits | 299,573,000 | 307,229,000 | 333,103,000 | 323,304,000 |
| Noninterest-bearing deposits | 32,184,000 | 56,642,000 | 42,298,000 | 31,075,000 |
| Equity capital | 54,147,000 | 54,237,000 | 54,900,000 | 55,312,000 |
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 | 6,013,000 | 11,893,000 | 17,788,000 | 23,677,000 |
| Interest expense | 2,144,000 | 3,948,000 | 5,679,000 | 7,313,000 |
| Net interest income | 3,869,000 | 7,945,000 | 12,109,000 | 16,364,000 |
| Noninterest income | 500,000 | 1,035,000 | 1,633,000 | 2,206,000 |
| Noninterest expense | 3,333,000 | 6,772,000 | 10,283,000 | 14,256,000 |
| Provision for loan losses | -82,000 | 272,000 | 512,000 | 540,000 |
| Pretax income | 1,118,000 | 1,936,000 | 2,947,000 | 3,774,000 |
| Income tax | 360,000 | 607,000 | 916,000 | 1,139,000 |
| Net income | 758,000 | 1,329,000 | 2,031,000 | 2,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,711,000 | 51,674,000 | 52,125,000 | 52,421,000 |
| Total capital | 54,270,000 | 54,584,000 | 55,270,000 | 55,588,000 |
| Risk-weighted assets | 310,144,000 | 320,716,000 | 313,988,000 | 320,516,000 |
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