Call reports 2008
STATE BANK, THE — 2008
What 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 | 91,300,000 | 93,867,000 | 99,053,000 | 95,811,000 |
| Total loans | 62,572,000 | 65,358,000 | 69,131,000 | 68,633,000 |
| Allowance for loan losses | 709,000 | 701,000 | 750,000 | 782,000 |
| Securities available for sale | 12,098,000 | 11,449,000 | 11,513,000 | 11,190,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,626,000 | 77,736,000 | 82,475,000 | 77,688,000 |
| Interest-bearing deposits | 64,346,000 | 66,078,000 | 69,758,000 | 64,629,000 |
| Noninterest-bearing deposits | 11,280,000 | 11,658,000 | 12,717,000 | 13,059,000 |
| Equity capital | 11,363,000 | 11,056,000 | 11,470,000 | 11,546,000 |
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 | 1,435,000 | 2,974,000 | 4,432,000 | 5,905,000 |
| Interest expense | 613,000 | 1,165,000 | 1,699,000 | 2,195,000 |
| Net interest income | 822,000 | 1,809,000 | 2,733,000 | 3,710,000 |
| Noninterest income | 194,000 | 376,000 | 596,000 | 896,000 |
| Noninterest expense | 804,000 | 1,851,000 | 2,816,000 | 3,963,000 |
| Provision for loan losses | 50,000 | 112,000 | 710,000 | 787,000 |
| Pretax income | 162,000 | 222,000 | -197,000 | -144,000 |
| Income tax | 35,000 | 17,000 | -147,000 | -211,000 |
| Net income | 127,000 | 205,000 | -50,000 | 67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,159,000 | 11,026,000 | 11,472,000 | 11,588,000 |
| Total capital | 11,868,000 | 11,727,000 | 12,222,000 | 12,370,000 |
| Risk-weighted assets | 73,660,000 | 76,820,000 | 79,502,000 | 78,229,000 |