Call reports 2008
STATE BANK OF CHANDLER — 2008
What STATE BANK OF CHANDLER 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 | 32,903,000 | 32,519,000 | 33,224,000 | 35,969,000 |
| Total loans | 20,168,000 | 20,134,000 | 20,405,000 | 20,055,000 |
| Allowance for loan losses | 451,000 | 458,000 | 387,000 | 303,000 |
| Securities available for sale | 8,264,000 | 8,782,000 | 9,436,000 | 11,898,000 |
| Securities held to maturity | 214,000 | 185,000 | 172,000 | 167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,884,000 | 27,048,000 | 27,934,000 | 30,989,000 |
| Interest-bearing deposits | 22,682,000 | 22,460,000 | 22,747,000 | 24,527,000 |
| Noninterest-bearing deposits | 5,202,000 | 4,588,000 | 5,187,000 | 6,462,000 |
| Equity capital | 4,061,000 | 3,645,000 | 3,730,000 | 3,837,000 |
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 | 514,000 | 987,000 | 1,453,000 | 1,908,000 |
| Interest expense | 201,000 | 364,000 | 525,000 | 679,000 |
| Net interest income | 313,000 | 623,000 | 928,000 | 1,229,000 |
| Noninterest income | 31,000 | 66,000 | 96,000 | 124,000 |
| Noninterest expense | 182,000 | 364,000 | 558,000 | 854,000 |
| Provision for loan losses | 4,000 | 9,000 | 14,000 | 48,000 |
| Pretax income | 158,000 | 316,000 | 452,000 | 451,000 |
| Income tax | 56,000 | 85,000 | 152,000 | 142,000 |
| Net income | 102,000 | 231,000 | 300,000 | 309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,015,000 | 3,684,000 | 3,754,000 | 3,762,000 |
| Total capital | 4,303,000 | 3,974,000 | 4,048,000 | 4,053,000 |
| Risk-weighted assets | 22,900,000 | 22,999,000 | 23,454,000 | 23,274,000 |