Call reports 2008
COMMUNITY STATE BANK — 2008
What COMMUNITY 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 | 250,397,000 | 251,162,000 | 259,371,000 | 268,939,000 |
| Total loans | 200,657,000 | 207,095,000 | 209,438,000 | 212,370,000 |
| Allowance for loan losses | 3,445,000 | 3,428,000 | 3,424,000 | 3,434,000 |
| Securities available for sale | 21,439,000 | 21,294,000 | 20,980,000 | 22,240,000 |
| Securities held to maturity | 4,600,000 | 4,200,000 | 4,075,000 | 3,610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,625,000 | 195,558,000 | 209,355,000 | 219,085,000 |
| Interest-bearing deposits | 161,159,000 | 156,059,000 | 167,404,000 | 178,053,000 |
| Noninterest-bearing deposits | 40,466,000 | 39,499,000 | 41,951,000 | 41,032,000 |
| Equity capital | 27,181,000 | 27,650,000 | 27,994,000 | 27,812,000 |
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 | 4,262,000 | 8,339,000 | 12,290,000 | 16,286,000 |
| Interest expense | 1,351,000 | 2,561,000 | 3,802,000 | 5,121,000 |
| Net interest income | 2,911,000 | 5,778,000 | 8,488,000 | 11,165,000 |
| Noninterest income | 616,000 | 1,420,000 | 2,344,000 | 3,272,000 |
| Noninterest expense | 2,250,000 | 4,557,000 | 6,913,000 | 9,272,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 1,277,000 | 2,641,000 | 3,919,000 | 5,093,000 |
| Income tax | 9,000 | 17,000 | 26,000 | 35,000 |
| Net income | 1,268,000 | 2,624,000 | 3,893,000 | 5,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,790,000 | 27,605,000 | 27,985,000 | 27,439,000 |
| Total capital | 29,445,000 | 30,345,000 | 30,785,000 | 30,303,000 |
| Risk-weighted assets | 211,573,000 | 218,545,000 | 223,376,000 | 228,589,000 |
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