Call reports 2008
CENTRAL STATE BANK — 2008
What CENTRAL 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 | 109,232,000 | 113,639,000 | 109,701,000 | 115,383,000 |
| Total loans | 80,859,000 | 81,375,000 | 77,494,000 | 85,754,000 |
| Allowance for loan losses | 1,597,000 | 1,250,000 | 968,000 | 1,172,000 |
| Securities available for sale | 21,331,000 | 21,433,000 | 22,747,000 | 22,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,012,000 | 80,577,000 | 77,972,000 | 79,723,000 |
| Interest-bearing deposits | 69,833,000 | 75,236,000 | 72,909,000 | 73,720,000 |
| Noninterest-bearing deposits | 6,179,000 | 5,341,000 | 5,063,000 | 6,003,000 |
| Equity capital | 18,013,000 | 17,991,000 | 17,732,000 | 17,098,000 |
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 | 1,741,000 | 3,425,000 | 5,037,000 | 6,711,000 |
| Interest expense | 853,000 | 1,654,000 | 2,415,000 | 3,142,000 |
| Net interest income | 888,000 | 1,771,000 | 2,622,000 | 3,569,000 |
| Noninterest income | 89,000 | 114,000 | 213,000 | 425,000 |
| Noninterest expense | 398,000 | 821,000 | 1,315,000 | 1,802,000 |
| Provision for loan losses | 0 | 95,000 | 203,000 | 441,000 |
| Pretax income | 579,000 | 969,000 | 1,317,000 | 1,751,000 |
| Income tax | 23,000 | 44,000 | 65,000 | 86,000 |
| Net income | 556,000 | 925,000 | 1,252,000 | 1,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,989,000 | 18,307,000 | 18,495,000 | 18,832,000 |
| Total capital | 19,133,000 | 19,468,000 | 19,463,000 | 20,004,000 |
| Risk-weighted assets | 91,075,000 | 92,771,000 | 90,198,000 | 98,453,000 |
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