Call reports 2008
CITIZENS STATE BANK OF FINLEY, THE — 2008
What CITIZENS STATE BANK OF FINLEY, THE 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 | 93,841,000 | 98,536,000 | 96,360,000 | 99,322,000 |
| Total loans | 69,997,000 | 75,755,000 | 73,813,000 | 71,280,000 |
| Allowance for loan losses | 579,000 | 649,000 | 649,000 | 566,000 |
| Securities available for sale | 6,779,000 | 5,884,000 | 6,351,000 | 6,763,000 |
| Securities held to maturity | 7,350,000 | 6,660,000 | 7,043,000 | 8,021,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,802,000 | 67,117,000 | 66,010,000 | 66,456,000 |
| Interest-bearing deposits | 53,346,000 | 56,918,000 | 56,298,000 | 55,029,000 |
| Noninterest-bearing deposits | 11,456,000 | 10,199,000 | 9,712,000 | 11,427,000 |
| Equity capital | 8,479,000 | 8,411,000 | 8,674,000 | 8,868,000 |
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 | 1,475,000 | 2,918,000 | 4,347,000 | 5,738,000 |
| Interest expense | 710,000 | 1,365,000 | 2,004,000 | 2,616,000 |
| Net interest income | 765,000 | 1,553,000 | 2,343,000 | 3,122,000 |
| Noninterest income | 153,000 | 342,000 | 811,000 | 1,233,000 |
| Noninterest expense | 759,000 | 1,490,000 | 2,309,000 | 3,313,000 |
| Provision for loan losses | 0 | 70,000 | 165,000 | 165,000 |
| Pretax income | 160,000 | 336,000 | 685,000 | 882,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 160,000 | 336,000 | 685,000 | 882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,202,000 | 8,239,000 | 8,513,000 | 8,635,000 |
| Total capital | 8,781,000 | 8,888,000 | 9,162,000 | 9,201,000 |
| Risk-weighted assets | 72,660,000 | 74,437,000 | 76,208,000 | 72,691,000 |
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