Call reports 2008
STATE BANK OF DAVIS — 2008
What STATE BANK OF DAVIS 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 | 106,542,000 | 108,696,000 | 111,103,000 | 111,192,000 |
| Total loans | 62,509,000 | 67,581,000 | 72,260,000 | 72,897,000 |
| Allowance for loan losses | 797,000 | 801,000 | 807,000 | 823,000 |
| Securities available for sale | 32,671,000 | 32,426,000 | 29,174,000 | 30,040,000 |
| Securities held to maturity | 6,072,000 | 5,610,000 | 5,482,000 | 5,055,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,117,000 | 91,333,000 | 93,956,000 | 94,838,000 |
| Interest-bearing deposits | 84,254,000 | 84,742,000 | 87,583,000 | 88,691,000 |
| Noninterest-bearing deposits | 5,863,000 | 6,591,000 | 6,373,000 | 6,147,000 |
| Equity capital | 9,152,000 | 8,844,000 | 8,981,000 | 9,646,000 |
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 | 1,600,000 | 3,168,000 | 4,710,000 | 6,311,000 |
| Interest expense | 861,000 | 1,656,000 | 2,429,000 | 3,191,000 |
| Net interest income | 739,000 | 1,512,000 | 2,281,000 | 3,120,000 |
| Noninterest income | 76,000 | 125,000 | 189,000 | 259,000 |
| Noninterest expense | 368,000 | 740,000 | 1,116,000 | 1,535,000 |
| Provision for loan losses | 8,000 | 12,000 | 22,000 | 45,000 |
| Pretax income | 439,000 | 894,000 | 1,340,000 | 1,823,000 |
| Income tax | 92,000 | 191,000 | 284,000 | 397,000 |
| Net income | 347,000 | 703,000 | 1,056,000 | 1,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,955,000 | 9,161,000 | 9,364,000 | 9,590,000 |
| Total capital | 9,752,000 | 9,962,000 | 10,171,000 | 10,413,000 |
| Risk-weighted assets | 71,992,000 | 76,493,000 | 78,712,000 | 77,656,000 |
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