Call reports 2008
STATE BANK OF SLATER — 2008
What STATE BANK OF SLATER 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 | 39,068,000 | 38,598,000 | 37,062,000 | 37,912,000 |
| Total loans | 28,742,000 | 28,552,000 | 30,231,000 | 30,404,000 |
| Allowance for loan losses | 300,000 | 301,000 | 299,000 | 310,000 |
| Securities available for sale | 3,067,000 | 2,729,000 | 2,268,000 | 2,294,000 |
| Securities held to maturity | 1,338,000 | 1,595,000 | 1,594,000 | 1,422,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,944,000 | 33,419,000 | 31,425,000 | 32,598,000 |
| Interest-bearing deposits | 29,521,000 | 28,978,000 | 27,652,000 | 27,879,000 |
| Noninterest-bearing deposits | 4,423,000 | 4,441,000 | 3,773,000 | 4,719,000 |
| Equity capital | 4,287,000 | 4,386,000 | 4,410,000 | 4,533,000 |
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 | 621,000 | 1,210,000 | 1,798,000 | 2,379,000 |
| Interest expense | 202,000 | 391,000 | 559,000 | 724,000 |
| Net interest income | 419,000 | 819,000 | 1,239,000 | 1,655,000 |
| Noninterest income | 26,000 | 91,000 | 147,000 | 209,000 |
| Noninterest expense | 285,000 | 567,000 | 849,000 | 1,159,000 |
| Provision for loan losses | 0 | 4,000 | 13,000 | 24,000 |
| Pretax income | 160,000 | 339,000 | 524,000 | 681,000 |
| Income tax | 55,000 | 117,000 | 181,000 | 234,000 |
| Net income | 105,000 | 222,000 | 343,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,254,000 | 4,372,000 | 4,400,000 | 4,504,000 |
| Total capital | 4,554,000 | 4,673,000 | 4,699,000 | 4,814,000 |
| Risk-weighted assets | 32,498,000 | 32,158,000 | 30,324,000 | 30,733,000 |