Call reports 2008
STATE BANK OF CHILTON — 2008
What STATE BANK OF CHILTON 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 | 179,134,000 | 165,399,000 | 158,882,000 | 160,421,000 |
| Total loans | 144,987,000 | 142,035,000 | 135,059,000 | 129,149,000 |
| Allowance for loan losses | 2,715,000 | 2,266,000 | 2,193,000 | 2,006,000 |
| Securities available for sale | 9,906,000 | 8,704,000 | 8,439,000 | 8,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,540,000 | 141,209,000 | 134,427,000 | 136,375,000 |
| Interest-bearing deposits | 131,136,000 | 122,205,000 | 116,156,000 | 117,755,000 |
| Noninterest-bearing deposits | 23,404,000 | 19,004,000 | 18,271,000 | 18,620,000 |
| Equity capital | 23,187,000 | 22,603,000 | 23,119,000 | 22,469,000 |
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 | 3,096,000 | 5,993,000 | 8,671,000 | 11,043,000 |
| Interest expense | 1,399,000 | 2,640,000 | 3,730,000 | 4,752,000 |
| Net interest income | 1,697,000 | 3,353,000 | 4,941,000 | 6,291,000 |
| Noninterest income | 50,000 | -193,000 | -104,000 | -386,000 |
| Noninterest expense | 971,000 | 1,763,000 | 2,659,000 | 3,714,000 |
| Provision for loan losses | 450,000 | 1,513,000 | 1,813,000 | 2,563,000 |
| Pretax income | 326,000 | -116,000 | 365,000 | -372,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 326,000 | -116,000 | 365,000 | -372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,034,000 | 22,591,000 | 23,072,000 | 22,330,000 |
| Total capital | 24,884,000 | 24,233,000 | 24,689,000 | 23,861,000 |
| Risk-weighted assets | 147,150,000 | 130,745,000 | 128,805,000 | 122,039,000 |