Call reports 2008
STATE BANK OF DELPHOS — 2008
What STATE BANK OF DELPHOS 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 | 34,838,000 | 34,487,000 | 35,117,000 | 37,125,000 |
| Total loans | 26,111,000 | 27,024,000 | 25,426,000 | 26,723,000 |
| Allowance for loan losses | 432,000 | 429,000 | 430,000 | 448,000 |
| Securities available for sale | 3,017,000 | 3,223,000 | 3,941,000 | 5,081,000 |
| Securities held to maturity | 1,705,000 | 1,895,000 | 1,925,000 | 2,112,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,991,000 | 27,179,000 | 28,217,000 | 29,057,000 |
| Interest-bearing deposits | 25,458,000 | 23,960,000 | 24,553,000 | 24,480,000 |
| Noninterest-bearing deposits | 3,533,000 | 3,219,000 | 3,664,000 | 4,577,000 |
| Equity capital | 3,068,000 | 3,019,000 | 3,171,000 | 3,365,000 |
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 | 579,000 | 1,148,000 | 1,716,000 | 2,273,000 |
| Interest expense | 221,000 | 418,000 | 609,000 | 789,000 |
| Net interest income | 358,000 | 730,000 | 1,107,000 | 1,484,000 |
| Noninterest income | 30,000 | 63,000 | 220,000 | 300,000 |
| Noninterest expense | 298,000 | 587,000 | 869,000 | 1,196,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 90,000 | 206,000 | 458,000 | 563,000 |
| Income tax | 4,000 | 8,000 | 13,000 | 20,000 |
| Net income | 86,000 | 198,000 | 445,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,031,000 | 3,044,000 | 3,190,000 | 3,288,000 |
| Total capital | 3,361,000 | 3,383,000 | 3,521,000 | 3,631,000 |
| Risk-weighted assets | 26,295,000 | 27,029,000 | 26,365,000 | 27,318,000 |