Call reports 2008
STATE BANK OF PEARL CITY, THE — 2008
What STATE BANK OF PEARL CITY, THE 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 | 38,337,000 | 38,525,000 | 39,214,000 | 40,307,000 |
| Total loans | 16,236,000 | 16,851,000 | 18,622,000 | 19,746,000 |
| Allowance for loan losses | 252,000 | 257,000 | 254,000 | 238,000 |
| Securities available for sale | 16,324,000 | 17,384,000 | 16,332,000 | 16,890,000 |
| Securities held to maturity | 21,000 | 21,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,751,000 | 34,403,000 | 35,467,000 | 35,636,000 |
| Interest-bearing deposits | 30,028,000 | 30,221,000 | 31,630,000 | 31,731,000 |
| Noninterest-bearing deposits | 3,722,000 | 4,182,000 | 3,837,000 | 3,905,000 |
| Equity capital | 4,353,000 | 3,900,000 | 3,520,000 | 4,466,000 |
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 | 556,000 | 1,105,000 | 1,658,000 | 2,229,000 |
| Interest expense | 296,000 | 569,000 | 838,000 | 1,105,000 |
| Net interest income | 260,000 | 536,000 | 820,000 | 1,124,000 |
| Noninterest income | 8,000 | 22,000 | 34,000 | 43,000 |
| Noninterest expense | 276,000 | 585,000 | 888,000 | 1,159,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 38,000 |
| Pretax income | -15,000 | -42,000 | -56,000 | -30,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -15,000 | -42,000 | -56,000 | -30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,487,000 | 4,441,000 | 4,402,000 | 4,428,000 |
| Total capital | 4,739,000 | 4,698,000 | 4,656,000 | 4,666,000 |
| Risk-weighted assets | 19,979,000 | 25,898,000 | 24,401,000 | 24,835,000 |