Call reports 2008
SCOTTDALE BANK & TRUST CO. THE — 2008
What SCOTTDALE BANK & TRUST CO. 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 | 168,240,000 | 171,726,000 | 176,454,000 | 175,222,000 |
| Total loans | 63,074,000 | 60,137,000 | 60,398,000 | 60,591,000 |
| Allowance for loan losses | 1,048,000 | 1,048,000 | 1,048,000 | 1,050,000 |
| Securities available for sale | 44,815,000 | 43,750,000 | 46,117,000 | 45,619,000 |
| Securities held to maturity | 28,339,000 | 35,817,000 | 38,101,000 | 42,457,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,049,000 | 131,467,000 | 137,753,000 | 136,260,000 |
| Interest-bearing deposits | 102,705,000 | 106,940,000 | 109,983,000 | 112,673,000 |
| Noninterest-bearing deposits | 24,344,000 | 24,527,000 | 27,770,000 | 23,587,000 |
| Equity capital | 39,198,000 | 38,621,000 | 37,635,000 | 38,082,000 |
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 | 1,942,000 | 3,819,000 | 5,739,000 | 7,561,000 |
| Interest expense | 542,000 | 1,082,000 | 1,651,000 | 2,227,000 |
| Net interest income | 1,400,000 | 2,737,000 | 4,088,000 | 5,334,000 |
| Noninterest income | 93,000 | 183,000 | 281,000 | 376,000 |
| Noninterest expense | 1,088,000 | 2,157,000 | 3,317,000 | 4,258,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 405,000 | 764,000 | 1,057,000 | 546,000 |
| Income tax | 36,000 | 99,000 | 126,000 | -349,000 |
| Net income | 369,000 | 665,000 | 931,000 | 895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,651,000 | 36,947,000 | 36,789,000 | 37,183,000 |
| Total capital | 37,699,000 | 37,995,000 | 37,837,000 | 38,233,000 |
| Risk-weighted assets | 91,757,000 | 91,162,000 | 92,124,000 | 93,367,000 |