Call reports 2008
CHETOPA STATE BANK & TRUST CO — 2008
What CHETOPA STATE BANK & TRUST CO 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 | 26,287,000 | 27,252,000 | 26,109,000 | 24,729,000 |
| Total loans | 17,973,000 | 18,556,000 | 18,257,000 | 17,398,000 |
| Allowance for loan losses | 195,000 | 220,000 | 261,000 | 302,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,879,000 | 4,575,000 | 4,877,000 | 5,551,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,976,000 | 24,969,000 | 23,766,000 | 22,463,000 |
| Interest-bearing deposits | 20,940,000 | 21,716,000 | 20,631,000 | 19,026,000 |
| Noninterest-bearing deposits | 3,036,000 | 3,253,000 | 3,135,000 | 3,437,000 |
| Equity capital | 2,189,000 | 2,211,000 | 2,274,000 | 2,210,000 |
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 | 413,000 | 811,000 | 1,204,000 | 1,576,000 |
| Interest expense | 160,000 | 297,000 | 421,000 | 529,000 |
| Net interest income | 253,000 | 514,000 | 783,000 | 1,047,000 |
| Noninterest income | 36,000 | 72,000 | 111,000 | 157,000 |
| Noninterest expense | 160,000 | 322,000 | 502,000 | 691,000 |
| Provision for loan losses | 45,000 | 90,000 | 127,000 | 172,000 |
| Pretax income | 84,000 | 174,000 | 265,000 | 341,000 |
| Income tax | 0 | 6,000 | 2,000 | 2,000 |
| Net income | 84,000 | 168,000 | 263,000 | 339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,189,000 | 2,211,000 | 2,274,000 | 2,210,000 |
| Total capital | 2,384,000 | 2,431,000 | 2,485,000 | 2,414,000 |
| Risk-weighted assets | 16,654,000 | 17,428,000 | 16,887,000 | 16,183,000 |