Call reports 2008
CENTRAL STATE BANK — 2008
What CENTRAL 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 | 64,302,000 | 62,721,000 | 63,941,000 | 59,761,000 |
| Total loans | 43,040,000 | 44,268,000 | 43,599,000 | 43,771,000 |
| Allowance for loan losses | 523,000 | 716,000 | 711,000 | 482,000 |
| Securities available for sale | 7,509,000 | 7,035,000 | 5,462,000 | 3,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,335,000 | 52,395,000 | 53,973,000 | 50,101,000 |
| Interest-bearing deposits | 44,711,000 | 42,271,000 | 40,673,000 | 41,277,000 |
| Noninterest-bearing deposits | 8,624,000 | 10,124,000 | 13,300,000 | 8,824,000 |
| Equity capital | 9,536,000 | 9,278,000 | 9,345,000 | 9,255,000 |
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 | 932,000 | 1,773,000 | 2,613,000 | 3,398,000 |
| Interest expense | 317,000 | 562,000 | 807,000 | 1,024,000 |
| Net interest income | 615,000 | 1,211,000 | 1,806,000 | 2,374,000 |
| Noninterest income | 153,000 | 279,000 | 415,000 | 557,000 |
| Noninterest expense | 518,000 | 1,094,000 | 1,629,000 | 2,269,000 |
| Provision for loan losses | 78,000 | 403,000 | 413,000 | 601,000 |
| Pretax income | 172,000 | -7,000 | 179,000 | 61,000 |
| Income tax | 52,000 | -9,000 | 48,000 | 4,000 |
| Net income | 120,000 | 2,000 | 131,000 | 57,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,334,000 | 9,147,000 | 9,247,000 | 9,185,000 |
| Total capital | 9,857,000 | 9,756,000 | 9,899,000 | 9,667,000 |
| Risk-weighted assets | 47,221,000 | 48,585,000 | 52,065,000 | 52,113,000 |