Call reports 2008
STATE GUARANTY BANK — 2008
What STATE GUARANTY 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 | 32,639,000 | 33,064,000 | 33,133,000 | 34,909,000 |
| Total loans | 11,779,000 | 12,009,000 | 12,455,000 | 12,307,000 |
| Allowance for loan losses | 135,000 | 125,000 | 124,000 | 127,000 |
| Securities available for sale | 17,172,000 | 17,753,000 | 17,515,000 | 19,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,102,000 | 28,812,000 | 28,728,000 | 29,978,000 |
| Interest-bearing deposits | 24,529,000 | 24,802,000 | 25,046,000 | 25,709,000 |
| Noninterest-bearing deposits | 3,573,000 | 4,011,000 | 3,682,000 | 4,269,000 |
| Equity capital | 4,152,000 | 3,992,000 | 4,119,000 | 4,263,000 |
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 | 466,000 | 921,000 | 1,362,000 | 1,798,000 |
| Interest expense | 203,000 | 387,000 | 554,000 | 705,000 |
| Net interest income | 263,000 | 534,000 | 808,000 | 1,093,000 |
| Noninterest income | 82,000 | 154,000 | 235,000 | 313,000 |
| Noninterest expense | 251,000 | 477,000 | 715,000 | 978,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 94,000 | 211,000 | 328,000 | 413,000 |
| Income tax | 21,000 | 49,000 | 77,000 | 52,000 |
| Net income | 73,000 | 162,000 | 251,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,906,000 | 3,994,000 | 4,084,000 | 3,919,000 |
| Total capital | 4,041,000 | 4,119,000 | 4,208,000 | 4,046,000 |
| Risk-weighted assets | 18,153,000 | 18,418,000 | 18,661,000 | 18,940,000 |
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