Call reports 2008
CITY STATE BANK, THE — 2008
What CITY STATE BANK, 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 | 29,691,000 | 29,939,000 | 29,930,000 | 29,534,000 |
| Total loans | 20,210,000 | 19,952,000 | 20,116,000 | 20,528,000 |
| Allowance for loan losses | 196,000 | 187,000 | 197,000 | 205,000 |
| Securities available for sale | 801,000 | 1,485,000 | 2,315,000 | 2,315,000 |
| Securities held to maturity | 4,332,000 | 3,649,000 | 2,906,000 | 3,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,688,000 | 26,914,000 | 26,861,000 | 26,415,000 |
| Interest-bearing deposits | 22,827,000 | 23,015,000 | 23,188,000 | 22,693,000 |
| Noninterest-bearing deposits | 3,861,000 | 3,899,000 | 3,673,000 | 3,722,000 |
| Equity capital | 2,910,000 | 2,916,000 | 2,940,000 | 3,015,000 |
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 | 459,000 | 915,000 | 1,363,000 | 1,808,000 |
| Interest expense | 185,000 | 355,000 | 517,000 | 658,000 |
| Net interest income | 274,000 | 560,000 | 846,000 | 1,150,000 |
| Noninterest income | 47,000 | 94,000 | 138,000 | 179,000 |
| Noninterest expense | 233,000 | 476,000 | 709,000 | 946,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 19,000 |
| Pretax income | 88,000 | 178,000 | 265,000 | 364,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 12,000 |
| Net income | 86,000 | 173,000 | 257,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,893,000 | 2,916,000 | 2,937,000 | 2,968,000 |
| Total capital | 3,089,000 | 3,103,000 | 3,134,000 | 3,173,000 |
| Risk-weighted assets | 19,947,000 | 19,679,000 | 19,816,000 | 20,124,000 |