Call reports 2008
STATE BANK — 2008
What STATE 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 | 261,056,000 | 260,668,000 | 264,979,000 | 274,414,000 |
| Total loans | 172,333,000 | 179,463,000 | 188,263,000 | 187,208,000 |
| Allowance for loan losses | 1,914,000 | 1,959,000 | 1,949,000 | 2,097,000 |
| Securities available for sale | 29,534,000 | 24,883,000 | 26,398,000 | 27,574,000 |
| Securities held to maturity | 27,155,000 | 28,402,000 | 27,862,000 | 27,552,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,513,000 | 226,723,000 | 219,781,000 | 239,351,000 |
| Interest-bearing deposits | 189,853,000 | 193,296,000 | 187,383,000 | 204,221,000 |
| Noninterest-bearing deposits | 36,660,000 | 33,427,000 | 32,397,000 | 35,130,000 |
| Equity capital | 32,392,000 | 31,999,000 | 33,158,000 | 33,481,000 |
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 | 3,696,000 | 7,086,000 | 10,616,000 | 14,166,000 |
| Interest expense | 1,504,000 | 2,651,000 | 3,771,000 | 4,879,000 |
| Net interest income | 2,192,000 | 4,435,000 | 6,845,000 | 9,287,000 |
| Noninterest income | 632,000 | 1,367,000 | 2,628,000 | 3,324,000 |
| Noninterest expense | 2,064,000 | 4,331,000 | 6,755,000 | 9,283,000 |
| Provision for loan losses | 57,000 | 115,000 | 205,000 | 353,000 |
| Pretax income | 703,000 | 1,356,000 | 2,513,000 | 2,975,000 |
| Income tax | 94,000 | 157,000 | 413,000 | 392,000 |
| Net income | 609,000 | 1,199,000 | 2,100,000 | 2,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,950,000 | 32,030,000 | 32,931,000 | 32,902,000 |
| Total capital | 33,864,000 | 33,989,000 | 34,880,000 | 34,999,000 |
| Risk-weighted assets | 189,986,000 | 199,220,000 | 205,652,000 | 209,414,000 |