Call reports 2008
STATE BANK OF GRAYMONT — 2008
What STATE BANK OF GRAYMONT 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 | 118,808,000 | 118,253,000 | 122,785,000 | 123,907,000 |
| Total loans | 61,352,000 | 63,647,000 | 69,967,000 | 75,219,000 |
| Allowance for loan losses | 529,000 | 518,000 | 431,000 | 456,000 |
| Securities available for sale | 39,396,000 | 46,831,000 | 46,224,000 | 40,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,372,000 | 104,967,000 | 103,254,000 | 106,532,000 |
| Interest-bearing deposits | 94,265,000 | 94,365,000 | 94,292,000 | 96,228,000 |
| Noninterest-bearing deposits | 11,107,000 | 10,602,000 | 8,962,000 | 10,304,000 |
| Equity capital | 11,368,000 | 11,363,000 | 11,562,000 | 11,819,000 |
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 | 1,584,000 | 3,255,000 | 5,005,000 | 6,671,000 |
| Interest expense | 822,000 | 1,625,000 | 2,416,000 | 3,195,000 |
| Net interest income | 762,000 | 1,630,000 | 2,589,000 | 3,476,000 |
| Noninterest income | 179,000 | 322,000 | 491,000 | 640,000 |
| Noninterest expense | 661,000 | 1,258,000 | 1,918,000 | 2,797,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 316,000 | 735,000 | 1,070,000 | 1,137,000 |
| Income tax | 75,000 | 195,000 | 295,000 | 287,000 |
| Net income | 241,000 | 540,000 | 775,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,890,000 | 10,190,000 | 10,425,000 | 10,500,000 |
| Total capital | 10,987,000 | 11,436,000 | 11,366,000 | 11,260,000 |
| Risk-weighted assets | 72,510,000 | 74,950,000 | 81,457,000 | 84,936,000 |
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