Call reports 2008
COPPER STAR BANK — 2008
What COPPER STAR 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 | 245,203,000 | 241,671,000 | 266,366,000 | 276,017,000 |
| Total loans | 200,383,000 | 201,791,000 | 204,134,000 | 206,512,000 |
| Allowance for loan losses | 2,134,000 | 2,504,000 | 6,947,000 | 6,862,000 |
| Securities available for sale | 25,145,000 | 19,399,000 | 33,795,000 | 35,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,359,000 | 186,238,000 | 208,476,000 | 224,795,000 |
| Interest-bearing deposits | 171,720,000 | 166,320,000 | 181,056,000 | 210,762,000 |
| Noninterest-bearing deposits | 18,639,000 | 19,918,000 | 27,420,000 | 14,033,000 |
| Equity capital | 23,057,000 | 22,731,000 | 20,906,000 | 21,237,000 |
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 | 4,622,000 | 8,748,000 | 12,786,000 | 16,539,000 |
| Interest expense | 2,232,000 | 4,138,000 | 5,993,000 | 8,161,000 |
| Net interest income | 2,390,000 | 4,610,000 | 6,793,000 | 8,378,000 |
| Noninterest income | 99,000 | 161,000 | 259,000 | 293,000 |
| Noninterest expense | 1,931,000 | 3,745,000 | 6,044,000 | 7,815,000 |
| Provision for loan losses | 529,000 | 909,000 | 7,030,000 | 7,030,000 |
| Pretax income | 199,000 | 399,000 | -5,752,000 | -5,711,000 |
| Income tax | 45,000 | 121,000 | -2,229,000 | -2,212,000 |
| Net income | 154,000 | 278,000 | -3,523,000 | -3,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,876,000 | 22,781,000 | 20,221,000 | 20,062,000 |
| Total capital | 25,096,000 | 25,373,000 | 23,028,000 | 22,865,000 |
| Risk-weighted assets | 216,769,000 | 215,537,000 | 220,098,000 | 219,869,000 |