Call reports 2008
STATE BANK & TRUST OF KENMARE — 2008
What STATE BANK & TRUST OF KENMARE 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 | 84,333,000 | 85,201,000 | 89,504,000 | 88,328,000 |
| Total loans | 50,219,000 | 57,018,000 | 55,587,000 | 57,448,000 |
| Allowance for loan losses | 713,000 | 721,000 | 835,000 | 691,000 |
| Securities available for sale | 15,328,000 | 17,716,000 | 17,691,000 | 18,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,345,000 | 73,613,000 | 81,543,000 | 77,005,000 |
| Interest-bearing deposits | 69,412,000 | 67,765,000 | 74,347,000 | 67,151,000 |
| Noninterest-bearing deposits | 6,934,000 | 5,848,000 | 7,196,000 | 9,854,000 |
| Equity capital | 6,266,000 | 6,251,000 | 6,432,000 | 6,320,000 |
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 | 1,075,000 | 2,131,000 | 3,255,000 | 4,298,000 |
| Interest expense | 601,000 | 1,138,000 | 1,627,000 | 2,118,000 |
| Net interest income | 474,000 | 993,000 | 1,628,000 | 2,180,000 |
| Noninterest income | 152,000 | 176,000 | 198,000 | 251,000 |
| Noninterest expense | 378,000 | 775,000 | 1,176,000 | 1,766,000 |
| Provision for loan losses | 0 | 0 | 0 | 210,000 |
| Pretax income | 248,000 | 394,000 | 650,000 | 455,000 |
| Income tax | 17,000 | 27,000 | 46,000 | 32,000 |
| Net income | 231,000 | 367,000 | 604,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,184,000 | 6,246,000 | 6,446,000 | 6,228,000 |
| Total capital | 6,897,000 | 6,967,000 | 7,216,000 | 6,919,000 |
| Risk-weighted assets | 58,019,000 | 60,654,000 | 61,565,000 | 62,931,000 |
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