Call reports 2008
STATE BANK — 2008
What STATE 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 | 155,300,000 | 160,060,000 | 164,487,000 | 177,178,000 |
| Total loans | 120,672,000 | 124,004,000 | 123,926,000 | 129,034,000 |
| Allowance for loan losses | 1,502,000 | 1,539,000 | 1,577,000 | 1,662,000 |
| Securities available for sale | 28,317,000 | 28,593,000 | 34,563,000 | 41,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,479,000 | 135,139,000 | 137,052,000 | 146,856,000 |
| Interest-bearing deposits | 118,689,000 | 123,695,000 | 127,478,000 | 135,099,000 |
| Noninterest-bearing deposits | 11,790,000 | 11,444,000 | 9,574,000 | 11,757,000 |
| Equity capital | 12,347,000 | 12,282,000 | 12,845,000 | 13,573,000 |
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 | 2,364,000 | 4,648,000 | 6,978,000 | 9,337,000 |
| Interest expense | 1,188,000 | 2,303,000 | 3,410,000 | 4,453,000 |
| Net interest income | 1,176,000 | 2,345,000 | 3,568,000 | 4,884,000 |
| Noninterest income | 119,000 | 265,000 | 389,000 | 518,000 |
| Noninterest expense | 638,000 | 1,290,000 | 1,951,000 | 2,633,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 288,000 |
| Pretax income | 626,000 | 1,252,000 | 1,900,000 | 2,502,000 |
| Income tax | 212,000 | 423,000 | 637,000 | 833,000 |
| Net income | 414,000 | 829,000 | 1,263,000 | 1,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,126,000 | 12,491,000 | 12,875,000 | 13,238,000 |
| Total capital | 13,628,000 | 14,030,000 | 14,452,000 | 14,900,000 |
| Risk-weighted assets | 127,876,000 | 130,430,000 | 132,900,000 | 138,331,000 |