Call reports 2008
STATE BANK OF SCHALLER — 2008
What STATE BANK OF SCHALLER 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 | 19,035,000 | 19,578,000 | 19,249,000 | 18,764,000 |
| Total loans | 7,639,000 | 7,977,000 | 9,080,000 | 9,283,000 |
| Allowance for loan losses | 246,000 | 247,000 | 249,000 | 249,000 |
| Securities available for sale | 2,292,000 | 1,941,000 | 1,654,000 | 1,373,000 |
| Securities held to maturity | 5,953,000 | 6,710,000 | 6,261,000 | 6,252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,651,000 | 17,152,000 | 15,417,000 | 16,191,000 |
| Interest-bearing deposits | 14,459,000 | 15,082,000 | 13,112,000 | 13,953,000 |
| Noninterest-bearing deposits | 2,192,000 | 2,070,000 | 2,305,000 | 2,238,000 |
| Equity capital | 2,234,000 | 2,276,000 | 2,383,000 | 2,218,000 |
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 | 248,000 | 500,000 | 744,000 | 985,000 |
| Interest expense | 91,000 | 171,000 | 242,000 | 315,000 |
| Net interest income | 157,000 | 329,000 | 502,000 | 670,000 |
| Noninterest income | 124,000 | 210,000 | 298,000 | 550,000 |
| Noninterest expense | 172,000 | 310,000 | 438,000 | 762,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 109,000 | 229,000 | 388,000 | 501,000 |
| Income tax | 26,000 | 72,000 | 132,000 | 126,000 |
| Net income | 83,000 | 157,000 | 256,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,128,000 | 2,203,000 | 2,301,000 | 2,120,000 |
| Total capital | 2,268,000 | 2,358,000 | 2,463,000 | 2,281,000 |
| Risk-weighted assets | 11,096,000 | 11,907,000 | 12,873,000 | 12,787,000 |