Call reports 2008
STATE BANK OF WHEATON — 2008
What STATE BANK OF WHEATON 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 | 64,183,000 | 65,730,000 | 64,531,000 | 68,440,000 |
| Total loans | 55,833,000 | 58,037,000 | 57,806,000 | 56,400,000 |
| Allowance for loan losses | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Securities available for sale | 4,179,000 | 4,040,000 | 2,662,000 | 4,835,000 |
| Securities held to maturity | 790,000 | 759,000 | 740,000 | 713,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,513,000 | 47,176,000 | 46,717,000 | 53,781,000 |
| Interest-bearing deposits | 41,597,000 | 39,642,000 | 39,053,000 | 44,223,000 |
| Noninterest-bearing deposits | 6,916,000 | 7,534,000 | 7,664,000 | 9,558,000 |
| Equity capital | 14,163,000 | 14,172,000 | 13,813,000 | 14,301,000 |
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 | 1,172,000 | 2,331,000 | 3,455,000 | 4,534,000 |
| Interest expense | 354,000 | 688,000 | 1,000,000 | 1,282,000 |
| Net interest income | 818,000 | 1,643,000 | 2,455,000 | 3,252,000 |
| Noninterest income | 44,000 | 80,000 | 111,000 | 142,000 |
| Noninterest expense | 367,000 | 771,000 | 1,158,000 | 1,448,000 |
| Provision for loan losses | -1,000 | 23,000 | 53,000 | 112,000 |
| Pretax income | 496,000 | 929,000 | 1,359,000 | 1,838,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 495,000 | 928,000 | 1,358,000 | 1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,134,000 | 14,189,000 | 13,859,000 | 14,336,000 |
| Total capital | 14,837,000 | 14,921,000 | 14,587,000 | 15,052,000 |
| Risk-weighted assets | 55,955,000 | 58,296,000 | 57,948,000 | 56,999,000 |