Call reports 2008
CHARLEVOIX STATE BANK — 2008
What CHARLEVOIX STATE BANK 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 | 124,676,000 | 127,107,000 | 145,166,000 | 130,931,000 |
| Total loans | 106,396,000 | 107,752,000 | 106,055,000 | 105,667,000 |
| Allowance for loan losses | 1,148,000 | 1,190,000 | 1,211,000 | 1,400,000 |
| Securities available for sale | 7,385,000 | 6,101,000 | 11,360,000 | 12,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,312,000 | 113,072,000 | 130,276,000 | 115,810,000 |
| Interest-bearing deposits | 89,851,000 | 89,414,000 | 106,417,000 | 95,094,000 |
| Noninterest-bearing deposits | 21,462,000 | 23,658,000 | 23,859,000 | 20,716,000 |
| Equity capital | 10,859,000 | 11,035,000 | 11,341,000 | 11,781,000 |
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 | 2,035,000 | 3,966,000 | 5,956,000 | 7,845,000 |
| Interest expense | 680,000 | 1,246,000 | 1,851,000 | 2,427,000 |
| Net interest income | 1,355,000 | 2,720,000 | 4,105,000 | 5,418,000 |
| Noninterest income | 237,000 | 492,000 | 975,000 | 1,248,000 |
| Noninterest expense | 1,078,000 | 2,171,000 | 3,499,000 | 4,678,000 |
| Provision for loan losses | 75,000 | 200,000 | 330,000 | 1,541,000 |
| Pretax income | 439,000 | 848,000 | 1,258,000 | 454,000 |
| Income tax | 0 | 0 | 0 | -3,000 |
| Net income | 439,000 | 848,000 | 1,258,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,729,000 | 11,014,000 | 11,274,000 | 11,592,000 |
| Total capital | 11,877,000 | 12,204,000 | 12,485,000 | 12,896,000 |
| Risk-weighted assets | 102,210,000 | 103,859,000 | 106,603,000 | 103,424,000 |
Machine access — free, no API key
Every figure shown here about CHARLEVOIX STATE BANK — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.