Call reports 2008
STATE BANK, THE — 2008
What STATE BANK, THE 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 | 381,233,000 | 363,962,000 | 362,358,000 | 366,453,000 |
| Total loans | 297,435,000 | 288,541,000 | 289,113,000 | 291,653,000 |
| Allowance for loan losses | 5,364,000 | 7,505,000 | 6,733,000 | 7,328,000 |
| Securities available for sale | 41,559,000 | 38,323,000 | 36,413,000 | 34,833,000 |
| Securities held to maturity | 8,201,000 | 6,951,000 | 6,874,000 | 6,769,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,819,000 | 329,212,000 | 325,642,000 | 332,805,000 |
| Interest-bearing deposits | 289,518,000 | 272,575,000 | 272,287,000 | 279,590,000 |
| Noninterest-bearing deposits | 51,301,000 | 56,637,000 | 53,355,000 | 53,215,000 |
| Equity capital | 32,216,000 | 30,730,000 | 30,727,000 | 29,489,000 |
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 | 5,576,000 | 10,684,000 | 15,812,000 | 20,634,000 |
| Interest expense | 2,474,000 | 4,556,000 | 6,486,000 | 8,330,000 |
| Net interest income | 3,102,000 | 6,128,000 | 9,326,000 | 12,304,000 |
| Noninterest income | 1,490,000 | 2,927,000 | 4,376,000 | 5,796,000 |
| Noninterest expense | 3,651,000 | 7,340,000 | 10,797,000 | 14,286,000 |
| Provision for loan losses | 530,000 | 3,005,000 | 3,380,000 | 5,610,000 |
| Pretax income | 411,000 | -1,290,000 | -475,000 | -1,796,000 |
| Income tax | 118,000 | -527,000 | -314,000 | -829,000 |
| Net income | 293,000 | -763,000 | -161,000 | -967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,380,000 | 31,323,000 | 31,726,000 | 30,029,000 |
| Total capital | 36,601,000 | 35,426,000 | 35,820,000 | 34,118,000 |
| Risk-weighted assets | 336,147,000 | 324,856,000 | 324,857,000 | 323,904,000 |