Call reports 2008
ST. MARYS STATE BANK, THE — 2008
What ST. MARYS STATE BANK, 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 | 84,237,000 | 82,359,000 | 80,832,000 | 80,042,000 |
| Total loans | 60,990,000 | 61,659,000 | 59,872,000 | 56,329,000 |
| Allowance for loan losses | 986,000 | 1,017,000 | 1,060,000 | 1,167,000 |
| Securities available for sale | 12,993,000 | 14,492,000 | 13,548,000 | 16,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,073,000 | 59,706,000 | 60,743,000 | 59,852,000 |
| Interest-bearing deposits | 54,560,000 | 49,682,000 | 51,642,000 | 51,331,000 |
| Noninterest-bearing deposits | 9,513,000 | 10,024,000 | 9,101,000 | 8,521,000 |
| Equity capital | 7,365,000 | 7,171,000 | 7,235,000 | 7,377,000 |
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 | 1,337,000 | 2,608,000 | 3,825,000 | 4,953,000 |
| Interest expense | 584,000 | 1,115,000 | 1,632,000 | 2,116,000 |
| Net interest income | 753,000 | 1,493,000 | 2,193,000 | 2,837,000 |
| Noninterest income | 124,000 | 264,000 | 401,000 | 540,000 |
| Noninterest expense | 544,000 | 1,097,000 | 1,644,000 | 2,136,000 |
| Provision for loan losses | 30,000 | 65,000 | 120,000 | 595,000 |
| Pretax income | 307,000 | 603,000 | 839,000 | 655,000 |
| Income tax | 15,000 | 28,000 | 38,000 | 43,000 |
| Net income | 292,000 | 575,000 | 801,000 | 612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,135,000 | 7,218,000 | 7,343,000 | 7,154,000 |
| Total capital | 7,968,000 | 8,075,000 | 8,174,000 | 7,946,000 |
| Risk-weighted assets | 66,477,000 | 68,400,000 | 66,222,000 | 62,965,000 |
Machine access — free, no API key
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