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 | 54,889,000 | 53,974,000 | 52,457,000 | 53,522,000 |
| Total loans | 29,122,000 | 29,663,000 | 30,089,000 | 29,732,000 |
| Allowance for loan losses | 424,000 | 425,000 | 426,000 | 427,000 |
| Securities available for sale | 17,364,000 | 17,647,000 | 17,316,000 | 13,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,447,000 | 43,223,000 | 41,676,000 | 44,176,000 |
| Interest-bearing deposits | 37,021,000 | 35,289,000 | 33,884,000 | 35,194,000 |
| Noninterest-bearing deposits | 7,426,000 | 7,934,000 | 7,792,000 | 8,982,000 |
| Equity capital | 5,894,000 | 5,997,000 | 6,116,000 | 4,097,000 |
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 | 826,000 | 1,589,000 | 2,341,000 | 3,047,000 |
| Interest expense | 336,000 | 595,000 | 845,000 | 1,065,000 |
| Net interest income | 490,000 | 994,000 | 1,496,000 | 1,982,000 |
| Noninterest income | 83,000 | 154,000 | 236,000 | 320,000 |
| Noninterest expense | 293,000 | 607,000 | 937,000 | 1,391,000 |
| Provision for loan losses | 6,000 | 21,000 | 24,000 | 52,000 |
| Pretax income | 274,000 | 520,000 | 771,000 | 859,000 |
| Income tax | 92,000 | 173,000 | 255,000 | 298,000 |
| Net income | 182,000 | 347,000 | 516,000 | 561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,724,000 | 5,888,000 | 6,058,000 | 4,043,000 |
| Total capital | 6,088,000 | 6,256,000 | 6,429,000 | 4,411,000 |
| Risk-weighted assets | 29,024,000 | 29,361,000 | 29,629,000 | 29,386,000 |