Call reports 2008
STATE BANK OF CERRO GORDO — 2008
What STATE BANK OF CERRO GORDO 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 | 23,391,000 | 22,441,000 | 23,574,000 | 22,101,000 |
| Total loans | 11,539,000 | 11,762,000 | 12,467,000 | 13,108,000 |
| Allowance for loan losses | 130,000 | 128,000 | 123,000 | 107,000 |
| Securities available for sale | 512,000 | 73,000 | 8,000 | 3,000 |
| Securities held to maturity | 6,208,000 | 7,064,000 | 6,809,000 | 6,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,373,000 | 18,461,000 | 19,625,000 | 18,233,000 |
| Interest-bearing deposits | 16,917,000 | 16,180,000 | 16,964,000 | 15,636,000 |
| Noninterest-bearing deposits | 2,456,000 | 2,281,000 | 2,661,000 | 2,597,000 |
| Equity capital | 3,787,000 | 3,776,000 | 3,755,000 | 3,652,000 |
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 | 315,000 | 608,000 | 903,000 | 1,196,000 |
| Interest expense | 115,000 | 225,000 | 325,000 | 409,000 |
| Net interest income | 200,000 | 383,000 | 578,000 | 787,000 |
| Noninterest income | 45,000 | 91,000 | 135,000 | 180,000 |
| Noninterest expense | 214,000 | 430,000 | 643,000 | 860,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 1,000 |
| Pretax income | 31,000 | 44,000 | 69,000 | -156,000 |
| Income tax | 4,000 | 2,000 | 4,000 | -2,000 |
| Net income | 27,000 | 42,000 | 65,000 | -154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,250,000 | 3,245,000 | 3,230,000 | 3,132,000 |
| Total capital | 3,380,000 | 3,373,000 | 3,353,000 | 3,239,000 |
| Risk-weighted assets | 11,416,000 | 11,305,000 | 12,066,000 | 12,496,000 |
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