Call reports 2008
STATE BANK OF DELANO — 2008
What STATE BANK OF DELANO 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 | 104,699,000 | 102,613,000 | 102,896,000 | 107,252,000 |
| Total loans | 79,450,000 | 78,560,000 | 80,379,000 | 74,847,000 |
| Allowance for loan losses | 1,654,000 | 2,250,000 | 2,131,000 | 2,966,000 |
| Securities available for sale | 11,949,000 | 12,882,000 | 12,954,000 | 16,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,872,000 | 79,312,000 | 79,291,000 | 87,242,000 |
| Interest-bearing deposits | 70,334,000 | 66,975,000 | 67,207,000 | 75,164,000 |
| Noninterest-bearing deposits | 12,538,000 | 12,337,000 | 12,084,000 | 12,078,000 |
| Equity capital | 13,594,000 | 12,543,000 | 11,392,000 | 8,947,000 |
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 | 1,522,000 | 2,893,000 | 4,133,000 | 5,345,000 |
| Interest expense | 679,000 | 1,230,000 | 1,753,000 | 2,295,000 |
| Net interest income | 843,000 | 1,663,000 | 2,380,000 | 3,050,000 |
| Noninterest income | 299,000 | 496,000 | 574,000 | 757,000 |
| Noninterest expense | 934,000 | 1,978,000 | 3,208,000 | 4,164,000 |
| Provision for loan losses | 76,000 | 829,000 | 1,579,000 | 4,129,000 |
| Pretax income | 132,000 | -648,000 | -1,833,000 | -4,486,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 132,000 | -648,000 | -1,833,000 | -4,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,340,000 | 12,534,000 | 11,350,000 | 8,697,000 |
| Total capital | 14,515,000 | 13,702,000 | 12,514,000 | 9,816,000 |
| Risk-weighted assets | 93,529,000 | 92,392,000 | 92,121,000 | 87,654,000 |
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