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 | 2008Q3 | 2008Q4 |
|---|---|---|
| Total assets | 21,529,000 | 32,753,000 |
| Total loans | 11,793,000 | 20,701,000 |
| Allowance for loan losses | 84,000 | 208,000 |
| Securities available for sale | 2,989,000 | 5,351,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 14,046,000 | 25,383,000 |
| Interest-bearing deposits | 11,901,000 | 21,833,000 |
| Noninterest-bearing deposits | 2,145,000 | 3,549,000 |
| Equity capital | 7,442,000 | 7,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q3 | 2008Q4 |
|---|---|---|
| Interest income | 144,000 | 500,000 |
| Interest expense | 62,000 | 211,000 |
| Net interest income | 82,000 | 289,000 |
| Noninterest income | 2,000 | 15,000 |
| Noninterest expense | 496,000 | 810,000 |
| Provision for loan losses | 85,000 | 208,000 |
| Pretax income | -497,000 | -714,000 |
| Income tax | 0 | 0 |
| Net income | -497,000 | -714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q3 | 2008Q4 |
|---|---|---|
| Tier 1 capital | 7,442,000 | 7,221,000 |
| Total capital | 7,527,000 | 7,429,000 |
| Risk-weighted assets | 12,373,000 | 22,846,000 |