Call reports 2008
STANDING STONE BANK — 2008
What STANDING STONE 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 | 65,183,000 | 74,754,000 | 75,293,000 | 70,990,000 |
| Total loans | 36,275,000 | 37,289,000 | 37,786,000 | 36,889,000 |
| Allowance for loan losses | 322,000 | 324,000 | 323,000 | 366,000 |
| Securities available for sale | 20,853,000 | 22,739,000 | 25,094,000 | 25,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,802,000 | 55,763,000 | 54,860,000 | 56,534,000 |
| Interest-bearing deposits | 43,871,000 | 47,152,000 | 43,240,000 | 47,116,000 |
| Noninterest-bearing deposits | 8,931,000 | 8,611,000 | 11,620,000 | 9,418,000 |
| Equity capital | 6,034,000 | 5,640,000 | 5,844,000 | 6,209,000 |
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 | 907,000 | 1,800,000 | 2,748,000 | 3,649,000 |
| Interest expense | 413,000 | 783,000 | 1,114,000 | 1,431,000 |
| Net interest income | 494,000 | 1,017,000 | 1,634,000 | 2,218,000 |
| Noninterest income | 141,000 | 294,000 | 459,000 | 602,000 |
| Noninterest expense | 689,000 | 1,404,000 | 2,089,000 | 2,790,000 |
| Provision for loan losses | 5,000 | 25,000 | 63,000 | 83,000 |
| Pretax income | -12,000 | -43,000 | 20,000 | 100,000 |
| Income tax | -24,000 | -46,000 | -33,000 | -29,000 |
| Net income | 12,000 | 3,000 | 53,000 | 129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,645,000 | 5,636,000 | 5,686,000 | 5,744,000 |
| Total capital | 5,967,000 | 5,960,000 | 6,009,000 | 6,110,000 |
| Risk-weighted assets | 41,389,000 | 43,685,000 | 43,447,000 | 41,738,000 |
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