Call reports 2008
STATE BANK OF CONWAY SPRINGS — 2008
What STATE BANK OF CONWAY SPRINGS 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 | 19,912,000 | 20,520,000 | 19,181,000 | 20,052,000 |
| Total loans | 12,751,000 | 13,003,000 | 12,285,000 | 13,439,000 |
| Allowance for loan losses | 235,000 | 245,000 | 247,000 | 245,000 |
| Securities available for sale | 5,592,000 | 5,267,000 | 5,101,000 | 5,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,515,000 | 15,607,000 | 15,469,000 | 14,821,000 |
| Interest-bearing deposits | 12,635,000 | 12,345,000 | 12,397,000 | 12,114,000 |
| Noninterest-bearing deposits | 2,880,000 | 3,262,000 | 3,072,000 | 2,707,000 |
| Equity capital | 1,827,000 | 1,706,000 | 1,800,000 | 1,916,000 |
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 | 288,000 | 594,000 | 887,000 | 1,181,000 |
| Interest expense | 108,000 | 212,000 | 307,000 | 399,000 |
| Net interest income | 180,000 | 382,000 | 580,000 | 782,000 |
| Noninterest income | 31,000 | 59,000 | 86,000 | 106,000 |
| Noninterest expense | 155,000 | 312,000 | 476,000 | 660,000 |
| Provision for loan losses | 0 | 120,000 | 120,000 | 120,000 |
| Pretax income | 56,000 | 9,000 | 70,000 | 108,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 8,000 |
| Net income | 55,000 | 8,000 | 69,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,785,000 | 1,738,000 | 1,799,000 | 1,830,000 |
| Total capital | 1,965,000 | 1,920,000 | 1,970,000 | 2,015,000 |
| Risk-weighted assets | 14,311,000 | 14,504,000 | 13,633,000 | 14,731,000 |