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 | 94,376,000 | 95,064,000 | 99,106,000 | 97,135,000 |
| Total loans | 67,981,000 | 65,018,000 | 67,841,000 | 66,802,000 |
| Allowance for loan losses | 930,000 | 946,000 | 985,000 | 1,051,000 |
| Securities available for sale | 17,134,000 | 16,396,000 | 16,785,000 | 17,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,334,000 | 74,444,000 | 78,195,000 | 76,871,000 |
| Interest-bearing deposits | 59,961,000 | 61,564,000 | 64,284,000 | 63,462,000 |
| Noninterest-bearing deposits | 12,373,000 | 12,880,000 | 13,911,000 | 13,409,000 |
| Equity capital | 19,506,000 | 19,344,000 | 19,554,000 | 19,055,000 |
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 | 1,374,000 | 2,701,000 | 4,035,000 | 5,362,000 |
| Interest expense | 479,000 | 927,000 | 1,347,000 | 1,756,000 |
| Net interest income | 895,000 | 1,774,000 | 2,688,000 | 3,606,000 |
| Noninterest income | 122,000 | 231,000 | 350,000 | 467,000 |
| Noninterest expense | 555,000 | 1,164,000 | 1,781,000 | 2,422,000 |
| Provision for loan losses | 0 | 30,000 | 95,000 | 185,000 |
| Pretax income | 462,000 | 811,000 | 1,162,000 | 1,466,000 |
| Income tax | 23,000 | 33,000 | 51,000 | 65,000 |
| Net income | 439,000 | 778,000 | 1,111,000 | 1,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,372,000 | 19,403,000 | 19,554,000 | 18,876,000 |
| Total capital | 20,302,000 | 20,349,000 | 20,539,000 | 19,927,000 |
| Risk-weighted assets | 95,383,000 | 96,366,000 | 100,125,000 | 98,023,000 |
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