Call reports 2008
STATE BANK OF TAUNTON — 2008
What STATE BANK OF TAUNTON 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 | 36,247,000 | 34,885,000 | 34,824,000 | 37,316,000 |
| Total loans | 20,565,000 | 20,051,000 | 19,847,000 | 20,924,000 |
| Allowance for loan losses | 409,000 | 434,000 | 443,000 | 333,000 |
| Securities available for sale | 2,711,000 | 2,772,000 | 3,364,000 | 3,245,000 |
| Securities held to maturity | 6,527,000 | 5,487,000 | 5,487,000 | 3,940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,709,000 | 29,673,000 | 29,430,000 | 31,934,000 |
| Interest-bearing deposits | 27,742,000 | 26,705,000 | 26,397,000 | 27,893,000 |
| Noninterest-bearing deposits | 2,967,000 | 2,968,000 | 3,033,000 | 4,041,000 |
| Equity capital | 5,287,000 | 5,044,000 | 5,171,000 | 5,285,000 |
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 | 522,000 | 1,036,000 | 1,518,000 | 1,990,000 |
| Interest expense | 224,000 | 425,000 | 605,000 | 774,000 |
| Net interest income | 298,000 | 611,000 | 913,000 | 1,216,000 |
| Noninterest income | 33,000 | 77,000 | 122,000 | 165,000 |
| Noninterest expense | 248,000 | 439,000 | 667,000 | 907,000 |
| Provision for loan losses | 45,000 | 315,000 | 330,000 | 340,000 |
| Pretax income | 98,000 | -6,000 | 98,000 | 194,000 |
| Income tax | 40,000 | 40,000 | 40,000 | 40,000 |
| Net income | 58,000 | -46,000 | 58,000 | 154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,276,000 | 5,072,000 | 5,176,000 | 5,246,000 |
| Total capital | 5,581,000 | 5,369,000 | 5,473,000 | 5,546,000 |
| Risk-weighted assets | 24,319,000 | 23,593,000 | 23,650,000 | 23,218,000 |