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 | 700,711,000 | 692,915,000 | 661,736,000 | 649,064,000 |
| Total loans | 495,922,000 | 497,863,000 | 476,266,000 | 454,230,000 |
| Allowance for loan losses | 3,812,000 | 7,037,000 | 6,553,000 | 9,116,000 |
| Securities available for sale | 154,593,000 | 146,074,000 | 137,745,000 | 116,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,333,000 | 469,479,000 | 434,865,000 | 463,626,000 |
| Interest-bearing deposits | 435,171,000 | 398,607,000 | 363,705,000 | 379,621,000 |
| Noninterest-bearing deposits | 42,162,000 | 70,872,000 | 71,160,000 | 84,005,000 |
| Equity capital | 56,216,000 | 52,767,000 | 51,514,000 | 49,688,000 |
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 | 10,206,000 | 19,591,000 | 28,763,000 | 36,891,000 |
| Interest expense | 5,094,000 | 9,473,000 | 13,586,000 | 17,434,000 |
| Net interest income | 5,112,000 | 10,118,000 | 15,177,000 | 19,457,000 |
| Noninterest income | 1,663,000 | 3,127,000 | 4,804,000 | 5,759,000 |
| Noninterest expense | 4,717,000 | 9,148,000 | 14,174,000 | 18,901,000 |
| Provision for loan losses | 620,000 | 4,580,000 | 9,180,000 | 18,971,000 |
| Pretax income | 2,115,000 | 194,000 | -2,691,000 | -13,248,000 |
| Income tax | 715,000 | -60,000 | -1,216,000 | -5,203,000 |
| Net income | 1,400,000 | 254,000 | -1,475,000 | -8,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,377,000 | 49,240,000 | 47,519,000 | 43,958,000 |
| Total capital | 54,339,000 | 55,634,000 | 53,624,000 | 49,797,000 |
| Risk-weighted assets | 505,633,000 | 510,710,000 | 487,744,000 | 463,627,000 |