Call reports 2008
STATE BANK OF SPEER — 2008
What STATE BANK OF SPEER 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 | 123,542,000 | 124,150,000 | 128,157,000 | 145,194,000 |
| Total loans | 67,788,000 | 71,302,000 | 67,370,000 | 69,197,000 |
| Allowance for loan losses | 424,000 | 459,000 | 555,000 | 372,000 |
| Securities available for sale | 41,596,000 | 38,565,000 | 42,182,000 | 51,231,000 |
| Securities held to maturity | 1,049,000 | 1,054,000 | 1,059,000 | 630,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,898,000 | 106,427,000 | 113,731,000 | 129,332,000 |
| Interest-bearing deposits | 100,120,000 | 92,712,000 | 104,481,000 | 116,038,000 |
| Noninterest-bearing deposits | 8,778,000 | 13,715,000 | 9,250,000 | 13,294,000 |
| Equity capital | 9,058,000 | 8,357,000 | 8,891,000 | 10,333,000 |
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 | 1,653,000 | 3,202,000 | 4,782,000 | 6,461,000 |
| Interest expense | 961,000 | 1,774,000 | 2,557,000 | 3,334,000 |
| Net interest income | 692,000 | 1,428,000 | 2,225,000 | 3,127,000 |
| Noninterest income | 99,000 | 209,000 | 326,000 | 440,000 |
| Noninterest expense | 639,000 | 1,235,000 | 1,867,000 | 2,620,000 |
| Provision for loan losses | 11,000 | 29,000 | 56,000 | 153,000 |
| Pretax income | 156,000 | 392,000 | 649,000 | 817,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 156,000 | 392,000 | 649,000 | 817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,804,000 | 8,975,000 | 9,134,000 | 9,270,000 |
| Total capital | 9,228,000 | 9,434,000 | 9,689,000 | 9,642,000 |
| Risk-weighted assets | 79,756,000 | 83,389,000 | 83,483,000 | 87,681,000 |
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