Call reports 2008
STATE BANK OF CARBONDALE — 2008
What STATE BANK OF CARBONDALE 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 | 17,661,000 | 16,672,000 | 16,268,000 | 16,289,000 |
| Total loans | 9,811,000 | 10,208,000 | 9,531,000 | 9,452,000 |
| Allowance for loan losses | 126,000 | 126,000 | 126,000 | 126,000 |
| Securities available for sale | 3,931,000 | 3,874,000 | 3,874,000 | 4,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,905,000 | 14,939,000 | 14,503,000 | 14,442,000 |
| Interest-bearing deposits | 12,977,000 | 12,084,000 | 11,648,000 | 11,647,000 |
| Noninterest-bearing deposits | 2,928,000 | 2,855,000 | 2,855,000 | 2,795,000 |
| Equity capital | 1,479,000 | 1,476,000 | 1,503,000 | 1,556,000 |
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 | 258,000 | 517,000 | 763,000 | 993,000 |
| Interest expense | 87,000 | 158,000 | 222,000 | 276,000 |
| Net interest income | 171,000 | 359,000 | 541,000 | 717,000 |
| Noninterest income | 34,000 | 70,000 | 102,000 | 140,000 |
| Noninterest expense | 187,000 | 384,000 | 571,000 | 775,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 18,000 | 45,000 | 72,000 | 82,000 |
| Income tax | 10,000 | 10,000 | 11,000 | 10,000 |
| Net income | 8,000 | 35,000 | 61,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,436,000 | 1,464,000 | 1,489,000 | 1,500,000 |
| Total capital | 1,558,000 | 1,587,000 | 1,609,000 | 1,618,000 |
| Risk-weighted assets | 9,760,000 | 9,857,000 | 9,559,000 | 9,466,000 |