Call reports 2008
STATE BANK OF HERSCHER — 2008
What STATE BANK OF HERSCHER 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 | 136,665,000 | 140,926,000 | 145,400,000 | 159,601,000 |
| Total loans | 103,152,000 | 104,412,000 | 112,321,000 | 122,282,000 |
| Allowance for loan losses | 1,134,000 | 1,234,000 | 1,269,000 | 1,425,000 |
| Securities available for sale | 22,273,000 | 21,368,000 | 21,298,000 | 21,289,000 |
| Securities held to maturity | 1,384,000 | 1,373,000 | 1,373,000 | 1,237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,615,000 | 125,153,000 | 129,012,000 | 143,305,000 |
| Interest-bearing deposits | 106,297,000 | 111,545,000 | 114,729,000 | 124,164,000 |
| Noninterest-bearing deposits | 14,318,000 | 13,608,000 | 14,283,000 | 19,141,000 |
| Equity capital | 15,098,000 | 14,661,000 | 15,169,000 | 15,115,000 |
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 | 2,466,000 | 4,851,000 | 7,215,000 | 9,662,000 |
| Interest expense | 945,000 | 1,806,000 | 2,635,000 | 3,495,000 |
| Net interest income | 1,521,000 | 3,045,000 | 4,580,000 | 6,167,000 |
| Noninterest income | 121,000 | 242,000 | 379,000 | 499,000 |
| Noninterest expense | 933,000 | 1,895,000 | 2,877,000 | 3,917,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 629,000 | 1,222,000 | 1,802,000 | 2,379,000 |
| Income tax | 8,000 | 0 | 8,000 | 15,000 |
| Net income | 621,000 | 1,222,000 | 1,794,000 | 2,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,666,000 | 14,737,000 | 15,077,000 | 14,862,000 |
| Total capital | 15,800,000 | 15,971,000 | 16,346,000 | 16,286,000 |
| Risk-weighted assets | 126,862,000 | 136,139,000 | 143,918,000 | 122,991,000 |