Call reports 2008
SIDELL STATE BANK — 2008
What SIDELL 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 | 24,387,000 | 23,827,000 | 22,308,000 | 21,501,000 |
| Total loans | 8,746,000 | 9,093,000 | 10,600,000 | 10,563,000 |
| Allowance for loan losses | 268,000 | 270,000 | 272,000 | 222,000 |
| Securities available for sale | 11,169,000 | 9,980,000 | 8,797,000 | 7,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,825,000 | 21,437,000 | 19,890,000 | 19,061,000 |
| Interest-bearing deposits | 14,882,000 | 15,413,000 | 14,248,000 | 12,021,000 |
| Noninterest-bearing deposits | 6,943,000 | 6,024,000 | 5,642,000 | 7,040,000 |
| Equity capital | 2,416,000 | 2,292,000 | 2,293,000 | 2,326,000 |
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 | 308,000 | 565,000 | 813,000 | 1,054,000 |
| Interest expense | 82,000 | 152,000 | 212,000 | 253,000 |
| Net interest income | 226,000 | 413,000 | 601,000 | 801,000 |
| Noninterest income | 32,000 | 70,000 | 112,000 | 146,000 |
| Noninterest expense | 234,000 | 479,000 | 701,000 | 910,000 |
| Provision for loan losses | -25,000 | -25,000 | -25,000 | -75,000 |
| Pretax income | 76,000 | 98,000 | 106,000 | 124,000 |
| Income tax | 0 | 0 | 0 | 10,000 |
| Net income | 76,000 | 98,000 | 106,000 | 114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,330,000 | 2,353,000 | 2,285,000 | 2,284,000 |
| Total capital | 2,482,000 | 2,511,000 | 2,455,000 | 2,441,000 |
| Risk-weighted assets | 12,080,000 | 12,494,000 | 13,486,000 | 12,519,000 |