Call reports 2008
COMMUNITY STATE BANK OF ORBISONIA — 2008
What COMMUNITY STATE BANK OF ORBISONIA 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 | 211,561,000 | 216,269,000 | 216,944,000 | 222,881,000 |
| Total loans | 179,140,000 | 185,722,000 | 192,280,000 | 197,848,000 |
| Allowance for loan losses | 1,752,000 | 1,804,000 | 1,838,000 | 1,783,000 |
| Securities available for sale | 6,409,000 | 8,420,000 | 8,992,000 | 6,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,642,000 | 195,493,000 | 195,809,000 | 196,695,000 |
| Interest-bearing deposits | 179,861,000 | 184,642,000 | 184,831,000 | 186,050,000 |
| Noninterest-bearing deposits | 10,781,000 | 10,851,000 | 10,978,000 | 10,645,000 |
| Equity capital | 19,059,000 | 19,359,000 | 19,928,000 | 20,165,000 |
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 | 3,450,000 | 6,995,000 | 10,607,000 | 14,206,000 |
| Interest expense | 1,528,000 | 2,960,000 | 4,347,000 | 5,761,000 |
| Net interest income | 1,922,000 | 4,035,000 | 6,260,000 | 8,445,000 |
| Noninterest income | 251,000 | 500,000 | 773,000 | 1,040,000 |
| Noninterest expense | 1,503,000 | 2,972,000 | 4,560,000 | 6,248,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 565,000 | 1,353,000 | 2,158,000 | 2,817,000 |
| Income tax | 165,000 | 435,000 | 705,000 | 874,000 |
| Net income | 400,000 | 918,000 | 1,453,000 | 1,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,001,000 | 19,379,000 | 19,899,000 | 20,088,000 |
| Total capital | 20,753,000 | 21,183,000 | 21,737,000 | 21,871,000 |
| Risk-weighted assets | 140,860,000 | 145,454,000 | 146,896,000 | 150,301,000 |