Call reports 2008
COMMUNITY STATE BANK OF ROCK FALLS — 2008
What COMMUNITY STATE BANK OF ROCK FALLS 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 | 177,243,000 | 174,146,000 | 176,910,000 | 177,584,000 |
| Total loans | 120,472,000 | 124,996,000 | 129,755,000 | 133,025,000 |
| Allowance for loan losses | 984,000 | 879,000 | 946,000 | 1,047,000 |
| Securities available for sale | 33,205,000 | 32,867,000 | 30,291,000 | 29,726,000 |
| Securities held to maturity | 259,000 | 259,000 | 259,000 | 255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,142,000 | 159,405,000 | 157,036,000 | 161,572,000 |
| Interest-bearing deposits | 144,269,000 | 141,253,000 | 139,591,000 | 142,663,000 |
| Noninterest-bearing deposits | 17,873,000 | 18,152,000 | 17,445,000 | 18,909,000 |
| Equity capital | 13,371,000 | 13,351,000 | 13,493,000 | 14,173,000 |
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 | 2,719,000 | 5,354,000 | 7,891,000 | 10,527,000 |
| Interest expense | 1,259,000 | 2,414,000 | 3,516,000 | 4,562,000 |
| Net interest income | 1,460,000 | 2,940,000 | 4,375,000 | 5,965,000 |
| Noninterest income | 281,000 | 533,000 | 823,000 | 1,065,000 |
| Noninterest expense | 1,175,000 | 2,322,000 | 3,480,000 | 4,776,000 |
| Provision for loan losses | 51,000 | 113,000 | 257,000 | 393,000 |
| Pretax income | 515,000 | 1,038,000 | 1,461,000 | 1,881,000 |
| Income tax | 175,000 | 353,000 | 493,000 | 568,000 |
| Net income | 340,000 | 685,000 | 968,000 | 1,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,725,000 | 11,998,000 | 12,306,000 | 12,451,000 |
| Total capital | 12,709,000 | 12,877,000 | 13,252,000 | 13,498,000 |
| Risk-weighted assets | 125,239,000 | 127,441,000 | 132,021,000 | 132,916,000 |
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