Call reports 2008
STANDARD BANK — 2008
What STANDARD 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 | 348,326,000 | 343,678,000 | 353,120,000 | 353,941,000 |
| Total loans | 258,199,000 | 261,268,000 | 259,845,000 | 261,234,000 |
| Allowance for loan losses | 2,330,000 | 2,320,000 | 2,426,000 | 2,767,000 |
| Securities available for sale | 21,147,000 | 20,131,000 | 28,466,000 | 32,413,000 |
| Securities held to maturity | 24,344,000 | 21,041,000 | 19,518,000 | 18,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,902,000 | 253,244,000 | 254,821,000 | 256,705,000 |
| Interest-bearing deposits | 232,896,000 | 232,950,000 | 232,661,000 | 236,415,000 |
| Noninterest-bearing deposits | 20,006,000 | 20,294,000 | 22,160,000 | 20,290,000 |
| Equity capital | 39,110,000 | 39,448,000 | 38,109,000 | 39,131,000 |
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 | 4,721,000 | 9,403,000 | 14,073,000 | 18,701,000 |
| Interest expense | 2,354,000 | 4,499,000 | 6,698,000 | 8,849,000 |
| Net interest income | 2,367,000 | 4,904,000 | 7,375,000 | 9,852,000 |
| Noninterest income | 571,000 | 1,157,000 | 1,764,000 | 2,404,000 |
| Noninterest expense | 2,047,000 | 4,057,000 | 6,063,000 | 8,544,000 |
| Provision for loan losses | 0 | 108,000 | 316,000 | 674,000 |
| Pretax income | 908,000 | 1,763,000 | 1,277,000 | 1,555,000 |
| Income tax | 268,000 | 369,000 | 640,000 | 164,000 |
| Net income | 640,000 | 1,394,000 | 637,000 | 1,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,290,000 | 29,088,000 | 28,877,000 | 29,139,000 |
| Total capital | 30,892,000 | 31,502,000 | 31,303,000 | 31,881,000 |
| Risk-weighted assets | 216,750,000 | 217,267,000 | 218,374,000 | 219,323,000 |