Call reports 2008
SANGER BANK — 2008
What SANGER 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 | 88,464,000 | 92,459,000 | 89,726,000 | 92,732,000 |
| Total loans | 56,538,000 | 57,953,000 | 59,516,000 | 59,388,000 |
| Allowance for loan losses | 419,000 | 311,000 | 382,000 | 446,000 |
| Securities available for sale | 1,829,000 | 1,788,000 | 1,797,000 | 1,735,000 |
| Securities held to maturity | 12,624,000 | 17,952,000 | 18,610,000 | 17,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,062,000 | 82,882,000 | 79,857,000 | 82,941,000 |
| Interest-bearing deposits | 63,731,000 | 66,390,000 | 64,341,000 | 67,894,000 |
| Noninterest-bearing deposits | 15,331,000 | 16,492,000 | 15,516,000 | 15,047,000 |
| Equity capital | 8,880,000 | 9,094,000 | 9,389,000 | 9,484,000 |
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 | 1,475,000 | 2,959,000 | 4,521,000 | 6,036,000 |
| Interest expense | 619,000 | 1,214,000 | 1,769,000 | 2,283,000 |
| Net interest income | 856,000 | 1,745,000 | 2,752,000 | 3,753,000 |
| Noninterest income | 219,000 | 470,000 | 702,000 | 915,000 |
| Noninterest expense | 747,000 | 1,476,000 | 2,217,000 | 2,932,000 |
| Provision for loan losses | 45,000 | 125,000 | 230,000 | 340,000 |
| Pretax income | 283,000 | 616,000 | 1,009,000 | 1,399,000 |
| Income tax | 85,000 | 178,000 | 282,000 | 357,000 |
| Net income | 198,000 | 438,000 | 727,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,860,000 | 9,100,000 | 9,390,000 | 9,460,000 |
| Total capital | 9,279,000 | 9,411,000 | 9,772,000 | 9,906,000 |
| Risk-weighted assets | 66,293,000 | 65,911,000 | 62,052,000 | 64,112,000 |
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