Call reports 2008
BANK SNB — 2008
What BANK SNB 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 | 2,539,817,000 | 2,630,106,000 | 2,688,986,000 | 2,743,888,000 |
| Total loans | 2,259,739,000 | 2,341,825,000 | 2,411,388,000 | 2,454,683,000 |
| Allowance for loan losses | 28,916,000 | 30,233,000 | 34,606,000 | 38,459,000 |
| Securities available for sale | 187,315,000 | 184,481,000 | 194,665,000 | 216,506,000 |
| Securities held to maturity | 8,339,000 | 8,340,000 | 7,342,000 | 7,343,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,978,912,000 | 2,078,190,000 | 2,070,380,000 | 2,082,996,000 |
| Interest-bearing deposits | 1,744,717,000 | 1,797,202,000 | 1,812,080,000 | 1,842,884,000 |
| Noninterest-bearing deposits | 234,195,000 | 280,988,000 | 258,300,000 | 240,112,000 |
| Equity capital | 237,603,000 | 240,178,000 | 260,343,000 | 307,839,000 |
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 | 40,834,000 | 78,650,000 | 117,284,000 | 153,957,000 |
| Interest expense | 19,415,000 | 35,717,000 | 51,492,000 | 65,660,000 |
| Net interest income | 21,419,000 | 42,933,000 | 65,792,000 | 88,297,000 |
| Noninterest income | 3,774,000 | 7,779,000 | 11,786,000 | 15,121,000 |
| Noninterest expense | 14,576,000 | 29,937,000 | 44,989,000 | 57,334,000 |
| Provision for loan losses | 2,073,000 | 5,086,000 | 11,824,000 | 18,365,000 |
| Pretax income | 9,801,000 | 16,946,000 | 22,023,000 | 28,976,000 |
| Income tax | 3,738,000 | 6,448,000 | 8,536,000 | 11,231,000 |
| Net income | 6,063,000 | 10,498,000 | 13,487,000 | 17,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 234,379,000 | 238,904,000 | 258,889,000 | 302,641,000 |
| Total capital | 281,649,000 | 287,561,000 | 307,613,000 | 351,957,000 |
| Risk-weighted assets | 2,622,221,000 | 2,671,977,000 | 2,683,462,000 | 2,731,110,000 |