Call reports 2008
STONE BANK — 2008
What STONE 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 | 12,294,000 | 13,385,000 | 11,184,000 | 13,485,000 |
| Total loans | 8,481,000 | 9,016,000 | 7,623,000 | 6,895,000 |
| Allowance for loan losses | 111,000 | 114,000 | 562,000 | 606,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,588,000 | 2,497,000 | 2,497,000 | 2,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,513,000 | 9,644,000 | 8,498,000 | 10,841,000 |
| Interest-bearing deposits | 2,360,000 | 6,202,000 | 6,206,000 | 6,164,000 |
| Noninterest-bearing deposits | 6,153,000 | 3,442,000 | 2,292,000 | 4,677,000 |
| Equity capital | 2,615,000 | 2,626,000 | 1,584,000 | 1,598,000 |
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 | 222,000 | 441,000 | 632,000 | 807,000 |
| Interest expense | 58,000 | 114,000 | 154,000 | 196,000 |
| Net interest income | 164,000 | 327,000 | 478,000 | 611,000 |
| Noninterest income | 24,000 | 47,000 | 69,000 | 88,000 |
| Noninterest expense | 154,000 | 294,000 | 442,000 | 594,000 |
| Provision for loan losses | 3,000 | 28,000 | 1,112,000 | 1,117,000 |
| Pretax income | 34,000 | 55,000 | -1,007,000 | -1,009,000 |
| Income tax | 10,000 | 20,000 | 0 | -16,000 |
| Net income | 24,000 | 35,000 | -1,007,000 | -993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,615,000 | 2,626,000 | 1,584,000 | 1,598,000 |
| Total capital | 2,726,000 | 2,740,000 | 1,679,000 | 1,688,000 |
| Risk-weighted assets | 8,179,000 | 8,839,000 | 7,158,000 | 6,665,000 |