Call reports 2008
STATE BANK OF ARCADIA — 2008
What STATE BANK OF ARCADIA 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 | 105,337,000 | 109,300,000 | 102,679,000 | 103,819,000 |
| Total loans | 58,152,000 | 59,404,000 | 60,234,000 | 59,479,000 |
| Allowance for loan losses | 654,000 | 652,000 | 660,000 | 668,000 |
| Securities available for sale | 10,177,000 | 8,299,000 | 7,559,000 | 7,396,000 |
| Securities held to maturity | 14,701,000 | 14,340,000 | 13,169,000 | 12,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,990,000 | 100,002,000 | 93,278,000 | 94,622,000 |
| Interest-bearing deposits | 85,271,000 | 86,287,000 | 81,613,000 | 82,414,000 |
| Noninterest-bearing deposits | 10,719,000 | 13,715,000 | 11,665,000 | 12,208,000 |
| Equity capital | 8,967,000 | 8,935,000 | 9,022,000 | 8,927,000 |
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 | 1,523,000 | 2,904,000 | 4,272,000 | 5,576,000 |
| Interest expense | 770,000 | 1,428,000 | 2,051,000 | 2,640,000 |
| Net interest income | 753,000 | 1,476,000 | 2,221,000 | 2,936,000 |
| Noninterest income | 71,000 | 129,000 | 196,000 | 249,000 |
| Noninterest expense | 483,000 | 937,000 | 1,398,000 | 1,983,000 |
| Provision for loan losses | 4,000 | 4,000 | 7,000 | 110,000 |
| Pretax income | 337,000 | 664,000 | 1,012,000 | 1,092,000 |
| Income tax | -2,000 | 7,000 | 16,000 | 23,000 |
| Net income | 339,000 | 657,000 | 996,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,841,000 | 8,907,000 | 8,994,000 | 8,867,000 |
| Total capital | 9,495,000 | 9,559,000 | 9,654,000 | 9,535,000 |
| Risk-weighted assets | 54,802,000 | 56,928,000 | 56,252,000 | 55,873,000 |