Call reports 2008
COMMUNITY BANK OF SNYDER — 2008
What COMMUNITY BANK OF SNYDER 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 | 120,391,000 | 126,325,000 | 127,684,000 | 147,115,000 |
| Total loans | 48,274,000 | 62,755,000 | 70,472,000 | 75,421,000 |
| Allowance for loan losses | 393,000 | 477,000 | 370,000 | 430,000 |
| Securities available for sale | 36,297,000 | 33,627,000 | 29,881,000 | 57,915,000 |
| Securities held to maturity | 22,121,000 | 19,996,000 | 17,499,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,359,000 | 113,689,000 | 114,671,000 | 134,022,000 |
| Interest-bearing deposits | 86,938,000 | 90,091,000 | 90,520,000 | 107,744,000 |
| Noninterest-bearing deposits | 20,421,000 | 23,598,000 | 24,151,000 | 26,278,000 |
| Equity capital | 11,236,000 | 10,972,000 | 11,249,000 | 11,474,000 |
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 | 1,449,000 | 2,860,000 | 4,349,000 | 5,915,000 |
| Interest expense | 722,000 | 1,328,000 | 1,892,000 | 2,486,000 |
| Net interest income | 727,000 | 1,532,000 | 2,457,000 | 3,429,000 |
| Noninterest income | 103,000 | 214,000 | 321,000 | 443,000 |
| Noninterest expense | 700,000 | 1,399,000 | 2,095,000 | 2,895,000 |
| Provision for loan losses | -62,000 | 19,000 | -91,000 | -32,000 |
| Pretax income | 192,000 | 328,000 | 810,000 | 1,045,000 |
| Income tax | 58,000 | 100,000 | 260,000 | 336,000 |
| Net income | 134,000 | 228,000 | 550,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,982,000 | 10,964,000 | 11,173,000 | 11,220,000 |
| Total capital | 11,375,000 | 11,441,000 | 11,543,000 | 11,650,000 |
| Risk-weighted assets | 62,895,000 | 75,684,000 | 81,247,000 | 88,753,000 |