Call reports 2008
STOCK GROWERS BANK — 2008
What STOCK GROWERS 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 | 44,125,000 | 45,973,000 | 44,247,000 | 50,361,000 |
| Total loans | 28,954,000 | 30,731,000 | 31,513,000 | 29,373,000 |
| Allowance for loan losses | 370,000 | 370,000 | 368,000 | 393,000 |
| Securities available for sale | 5,947,000 | 7,274,000 | 7,608,000 | 7,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,360,000 | 41,056,000 | 38,907,000 | 44,917,000 |
| Interest-bearing deposits | 33,602,000 | 33,423,000 | 32,727,000 | 35,836,000 |
| Noninterest-bearing deposits | 5,758,000 | 7,633,000 | 6,180,000 | 9,081,000 |
| Equity capital | 4,537,000 | 4,702,000 | 5,131,000 | 5,238,000 |
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 | 644,000 | 1,295,000 | 1,975,000 | 2,620,000 |
| Interest expense | 267,000 | 507,000 | 723,000 | 943,000 |
| Net interest income | 377,000 | 788,000 | 1,252,000 | 1,677,000 |
| Noninterest income | 38,000 | 84,000 | 296,000 | 366,000 |
| Noninterest expense | 199,000 | 398,000 | 655,000 | 1,000,000 |
| Provision for loan losses | 36,000 | 36,000 | 36,000 | 130,000 |
| Pretax income | 180,000 | 439,000 | 858,000 | 920,000 |
| Income tax | 18,000 | 18,000 | 30,000 | 61,000 |
| Net income | 162,000 | 421,000 | 828,000 | 859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,368,000 | 4,630,000 | 5,040,000 | 5,075,000 |
| Total capital | 4,738,000 | 5,000,000 | 5,408,000 | 5,468,000 |
| Risk-weighted assets | 32,389,000 | 34,464,000 | 35,185,000 | 34,712,000 |
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