Call reports 2008
COMMUNITY STATE BANK — 2008
What COMMUNITY 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 | 31,218,000 | 31,565,000 | 31,329,000 | 32,614,000 |
| Total loans | 11,800,000 | 12,062,000 | 13,939,000 | 16,231,000 |
| Allowance for loan losses | 282,000 | 262,000 | 261,000 | 262,000 |
| Securities available for sale | 15,539,000 | 15,632,000 | 14,375,000 | 14,180,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,455,000 | 26,821,000 | 26,754,000 | 27,294,000 |
| Interest-bearing deposits | 23,065,000 | 23,591,000 | 23,717,000 | 23,037,000 |
| Noninterest-bearing deposits | 3,390,000 | 3,230,000 | 3,037,000 | 4,257,000 |
| Equity capital | 4,502,000 | 4,519,000 | 4,451,000 | 4,548,000 |
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 | 414,000 | 810,000 | 1,235,000 | 1,657,000 |
| Interest expense | 169,000 | 303,000 | 475,000 | 615,000 |
| Net interest income | 245,000 | 507,000 | 760,000 | 1,042,000 |
| Noninterest income | 5,000 | 20,000 | 26,000 | 34,000 |
| Noninterest expense | 172,000 | 327,000 | 488,000 | 682,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 84,000 | 191,000 | 307,000 | 403,000 |
| Income tax | 16,000 | 39,000 | 66,000 | 87,000 |
| Net income | 68,000 | 152,000 | 241,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,449,000 | 4,533,000 | 4,622,000 | 4,668,000 |
| Total capital | 4,668,000 | 4,772,000 | 4,860,000 | 4,930,000 |
| Risk-weighted assets | 17,429,000 | 19,127,000 | 19,006,000 | 21,315,000 |