Call reports 2008
STATE BANK OF OSKALOOSA, THE — 2008
What STATE BANK OF OSKALOOSA, 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 | 30,487,000 | 30,027,000 | 29,537,000 | 30,482,000 |
| Total loans | 8,688,000 | 8,728,000 | 8,793,000 | 8,959,000 |
| Allowance for loan losses | 90,000 | 92,000 | 94,000 | 90,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,261,000 | 16,366,000 | 16,359,000 | 16,077,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,163,000 | 27,585,000 | 27,066,000 | 28,103,000 |
| Interest-bearing deposits | 23,955,000 | 23,410,000 | 23,369,000 | 24,362,000 |
| Noninterest-bearing deposits | 4,208,000 | 4,175,000 | 3,697,000 | 3,741,000 |
| Equity capital | 2,258,000 | 2,359,000 | 2,384,000 | 2,346,000 |
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 | 374,000 | 729,000 | 1,076,000 | 1,411,000 |
| Interest expense | 152,000 | 280,000 | 396,000 | 501,000 |
| Net interest income | 222,000 | 449,000 | 680,000 | 910,000 |
| Noninterest income | 70,000 | 216,000 | 271,000 | 325,000 |
| Noninterest expense | 211,000 | 413,000 | 622,000 | 849,000 |
| Provision for loan losses | 0 | 0 | 0 | 32,000 |
| Pretax income | 81,000 | 252,000 | 329,000 | 354,000 |
| Income tax | 3,000 | 7,000 | 11,000 | 14,000 |
| Net income | 78,000 | 245,000 | 318,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,258,000 | 2,359,000 | 2,384,000 | 2,346,000 |
| Total capital | 2,348,000 | 2,449,000 | 2,475,000 | 2,436,000 |
| Risk-weighted assets | 7,429,000 | 7,221,000 | 7,240,000 | 7,563,000 |