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 | 165,700,000 | 168,999,000 | 159,840,000 | 160,926,000 |
| Total loans | 101,681,000 | 97,949,000 | 96,120,000 | 97,215,000 |
| Allowance for loan losses | 1,297,000 | 1,470,000 | 1,492,000 | 2,300,000 |
| Securities available for sale | 33,286,000 | 33,660,000 | 32,030,000 | 30,914,000 |
| Securities held to maturity | 10,412,000 | 9,586,000 | 9,624,000 | 9,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,529,000 | 144,435,000 | 135,024,000 | 136,368,000 |
| Interest-bearing deposits | 117,492,000 | 119,824,000 | 111,739,000 | 114,229,000 |
| Noninterest-bearing deposits | 23,038,000 | 24,611,000 | 23,285,000 | 22,139,000 |
| Equity capital | 19,875,000 | 19,357,000 | 19,437,000 | 19,265,000 |
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 | 2,901,000 | 5,631,000 | 8,202,000 | 10,679,000 |
| Interest expense | 1,138,000 | 2,128,000 | 3,018,000 | 3,844,000 |
| Net interest income | 1,763,000 | 3,503,000 | 5,184,000 | 6,835,000 |
| Noninterest income | 412,000 | 843,000 | 1,218,000 | 1,587,000 |
| Noninterest expense | 1,306,000 | 2,673,000 | 4,055,000 | 5,374,000 |
| Provision for loan losses | 237,000 | 426,000 | 610,000 | 1,470,000 |
| Pretax income | 702,000 | 1,311,000 | 1,823,000 | 1,670,000 |
| Income tax | 29,000 | 72,000 | 115,000 | 198,000 |
| Net income | 673,000 | 1,239,000 | 1,708,000 | 1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,273,000 | 19,427,000 | 19,090,000 | 18,849,000 |
| Total capital | 20,570,000 | 20,897,000 | 20,513,000 | 20,288,000 |
| Risk-weighted assets | 120,881,000 | 117,721,000 | 113,745,000 | 114,266,000 |
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