Call reports 2008
S-BANK — 2008
What S-BANK 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 | 199,727,000 | 196,371,000 | 195,196,000 | 191,269,000 |
| Total loans | 159,103,000 | 159,001,000 | 157,353,000 | 157,767,000 |
| Allowance for loan losses | 1,134,000 | 1,132,000 | 1,185,000 | 1,213,000 |
| Securities available for sale | 19,440,000 | 19,585,000 | 18,615,000 | 19,653,000 |
| Securities held to maturity | 2,009,000 | 1,978,000 | 1,969,000 | 1,933,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,726,000 | 125,543,000 | 128,232,000 | 131,404,000 |
| Interest-bearing deposits | 109,648,000 | 106,518,000 | 109,154,000 | 113,023,000 |
| Noninterest-bearing deposits | 18,078,000 | 19,025,000 | 19,078,000 | 18,381,000 |
| Equity capital | 13,554,000 | 13,586,000 | 13,751,000 | 13,859,000 |
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 | 2,933,000 | 5,736,000 | 8,565,000 | 11,251,000 |
| Interest expense | 1,610,000 | 3,059,000 | 4,394,000 | 5,671,000 |
| Net interest income | 1,323,000 | 2,677,000 | 4,171,000 | 5,580,000 |
| Noninterest income | 138,000 | 299,000 | 448,000 | 601,000 |
| Noninterest expense | 1,263,000 | 2,441,000 | 3,542,000 | 4,782,000 |
| Provision for loan losses | -113,000 | -115,000 | -61,000 | -35,000 |
| Pretax income | 311,000 | 672,000 | 1,160,000 | 1,275,000 |
| Income tax | 102,000 | 221,000 | 397,000 | 439,000 |
| Net income | 209,000 | 451,000 | 763,000 | 836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,238,000 | 14,422,000 | 14,665,000 | 14,702,000 |
| Total capital | 15,487,000 | 15,669,000 | 15,965,000 | 16,030,000 |
| Risk-weighted assets | 128,122,000 | 128,097,000 | 128,897,000 | 126,900,000 |