Call reports 2008
STROUD NATIONAL BANK — 2008
What STROUD NATIONAL BANK 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 | 68,609,000 | 70,425,000 | 76,266,000 | 77,446,000 |
| Total loans | 45,392,000 | 48,484,000 | 50,581,000 | 53,021,000 |
| Allowance for loan losses | 480,000 | 481,000 | 516,000 | 532,000 |
| Securities available for sale | 13,730,000 | 14,604,000 | 15,136,000 | 17,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,081,000 | 57,020,000 | 57,696,000 | 57,519,000 |
| Interest-bearing deposits | 42,516,000 | 43,297,000 | 43,601,000 | 45,580,000 |
| Noninterest-bearing deposits | 12,565,000 | 13,723,000 | 14,095,000 | 11,939,000 |
| Equity capital | 5,773,000 | 5,691,000 | 5,812,000 | 6,280,000 |
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 | 1,217,000 | 2,409,000 | 3,636,000 | 4,872,000 |
| Interest expense | 471,000 | 865,000 | 1,235,000 | 1,644,000 |
| Net interest income | 746,000 | 1,544,000 | 2,401,000 | 3,228,000 |
| Noninterest income | 212,000 | 440,000 | 684,000 | 935,000 |
| Noninterest expense | 628,000 | 1,337,000 | 2,105,000 | 2,849,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 69,000 |
| Pretax income | 331,000 | 648,000 | 966,000 | 1,244,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 331,000 | 648,000 | 966,000 | 1,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,674,000 | 5,798,000 | 5,922,000 | 6,200,000 |
| Total capital | 6,154,000 | 6,279,000 | 6,438,000 | 6,732,000 |
| Risk-weighted assets | 47,043,000 | 50,313,000 | 53,070,000 | 54,734,000 |