Call reports 2008
SILVER LAKE BANK — 2008
What SILVER LAKE 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 | 201,045,000 | 204,468,000 | 205,433,000 | 202,928,000 |
| Total loans | 162,135,000 | 167,937,000 | 169,842,000 | 164,900,000 |
| Allowance for loan losses | 994,000 | 994,000 | 1,025,000 | 1,333,000 |
| Securities available for sale | 26,948,000 | 25,020,000 | 24,537,000 | 23,597,000 |
| Securities held to maturity | 1,685,000 | 1,536,000 | 1,609,000 | 1,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,704,000 | 151,872,000 | 146,925,000 | 153,706,000 |
| Interest-bearing deposits | 133,554,000 | 132,962,000 | 128,222,000 | 135,639,000 |
| Noninterest-bearing deposits | 17,150,000 | 18,910,000 | 18,703,000 | 18,067,000 |
| Equity capital | 24,288,000 | 24,571,000 | 25,323,000 | 25,854,000 |
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 | 3,280,000 | 6,439,000 | 9,532,000 | 12,508,000 |
| Interest expense | 1,367,000 | 2,522,000 | 3,608,000 | 4,606,000 |
| Net interest income | 1,913,000 | 3,917,000 | 5,924,000 | 7,902,000 |
| Noninterest income | 117,000 | 248,000 | 392,000 | 531,000 |
| Noninterest expense | 1,041,000 | 2,062,000 | 3,140,000 | 4,359,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 700,000 |
| Pretax income | 989,000 | 2,103,000 | 3,146,000 | 3,450,000 |
| Income tax | 338,000 | 722,000 | 1,091,000 | 1,178,000 |
| Net income | 651,000 | 1,381,000 | 2,055,000 | 2,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,954,000 | 24,686,000 | 25,364,000 | 25,581,000 |
| Total capital | 24,948,000 | 25,680,000 | 26,389,000 | 26,914,000 |
| Risk-weighted assets | 179,318,000 | 183,221,000 | 182,398,000 | 179,946,000 |