Call reports 2008
CITY STATE BANK — 2008
What CITY 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 | 181,378,000 | 189,749,000 | 188,037,000 | 189,746,000 |
| Total loans | 131,539,000 | 135,225,000 | 143,701,000 | 140,140,000 |
| Allowance for loan losses | 1,224,000 | 1,523,000 | 1,433,000 | 1,722,000 |
| Securities available for sale | 35,671,000 | 34,358,000 | 22,766,000 | 25,622,000 |
| Securities held to maturity | 1,660,000 | 955,000 | 880,000 | 820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,959,000 | 167,837,000 | 155,460,000 | 159,361,000 |
| Interest-bearing deposits | 134,185,000 | 143,852,000 | 132,714,000 | 135,199,000 |
| Noninterest-bearing deposits | 23,773,000 | 23,986,000 | 22,745,000 | 24,163,000 |
| Equity capital | 16,376,000 | 15,816,000 | 15,944,000 | 16,186,000 |
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 | 2,657,000 | 5,205,000 | 7,836,000 | 10,533,000 |
| Interest expense | 1,236,000 | 2,374,000 | 3,415,000 | 4,440,000 |
| Net interest income | 1,421,000 | 2,831,000 | 4,421,000 | 6,093,000 |
| Noninterest income | 507,000 | 1,086,000 | 1,554,000 | 2,009,000 |
| Noninterest expense | 1,441,000 | 2,937,000 | 4,458,000 | 5,937,000 |
| Provision for loan losses | 0 | 318,000 | 618,000 | 918,000 |
| Pretax income | 486,000 | 662,000 | 1,086,000 | 1,434,000 |
| Income tax | 18,000 | 28,000 | 50,000 | 67,000 |
| Net income | 468,000 | 634,000 | 1,036,000 | 1,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,755,000 | 14,733,000 | 15,040,000 | 15,276,000 |
| Total capital | 15,979,000 | 16,256,000 | 16,473,000 | 16,998,000 |
| Risk-weighted assets | 144,497,000 | 142,559,000 | 150,882,000 | 146,990,000 |