Call reports 2008
CENTRAL BANK OF SEDALIA — 2008
What CENTRAL BANK OF SEDALIA 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 | 294,222,000 | 293,023,000 | 287,702,000 | 286,099,000 |
| Total loans | 186,528,000 | 186,965,000 | 192,647,000 | 194,557,000 |
| Allowance for loan losses | 3,055,000 | 3,199,000 | 3,364,000 | 3,238,000 |
| Securities available for sale | 85,003,000 | 87,463,000 | 79,965,000 | 75,046,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,217,000 | 261,323,000 | 243,164,000 | 253,789,000 |
| Interest-bearing deposits | 224,562,000 | 220,906,000 | 204,226,000 | 213,526,000 |
| Noninterest-bearing deposits | 35,655,000 | 40,417,000 | 38,938,000 | 40,263,000 |
| Equity capital | 23,081,000 | 22,434,000 | 22,629,000 | 22,914,000 |
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 | 4,599,000 | 8,958,000 | 13,068,000 | 17,012,000 |
| Interest expense | 1,835,000 | 3,291,000 | 4,519,000 | 5,542,000 |
| Net interest income | 2,764,000 | 5,667,000 | 8,549,000 | 11,470,000 |
| Noninterest income | 822,000 | 1,828,000 | 2,750,000 | 3,566,000 |
| Noninterest expense | 1,977,000 | 3,900,000 | 5,820,000 | 7,578,000 |
| Provision for loan losses | 105,000 | 221,000 | 371,000 | 879,000 |
| Pretax income | 1,504,000 | 3,374,000 | 5,108,000 | 6,579,000 |
| Income tax | 536,000 | 1,211,000 | 1,836,000 | 2,359,000 |
| Net income | 968,000 | 2,163,000 | 3,272,000 | 4,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,295,000 | 21,289,000 | 21,198,000 | 21,346,000 |
| Total capital | 23,774,000 | 23,762,000 | 23,706,000 | 23,813,000 |
| Risk-weighted assets | 197,702,000 | 197,057,000 | 199,726,000 | 196,524,000 |