Call reports 2008
STATE BANK OF COKATO — 2008
What STATE BANK OF COKATO 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 | 62,556,000 | 63,311,000 | 64,514,000 | 65,800,000 |
| Total loans | 50,862,000 | 55,146,000 | 55,818,000 | 56,010,000 |
| Allowance for loan losses | 777,000 | 840,000 | 775,000 | 876,000 |
| Securities available for sale | 3,436,000 | 3,500,000 | 4,474,000 | 4,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,779,000 | 52,556,000 | 50,876,000 | 52,957,000 |
| Interest-bearing deposits | 44,530,000 | 44,698,000 | 44,107,000 | 44,600,000 |
| Noninterest-bearing deposits | 7,249,000 | 7,858,000 | 6,770,000 | 8,357,000 |
| Equity capital | 4,932,000 | 4,911,000 | 4,954,000 | 5,094,000 |
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 | 1,117,000 | 2,067,000 | 3,023,000 | 3,939,000 |
| Interest expense | 460,000 | 888,000 | 1,292,000 | 1,656,000 |
| Net interest income | 657,000 | 1,179,000 | 1,731,000 | 2,283,000 |
| Noninterest income | 106,000 | 226,000 | 340,000 | 441,000 |
| Noninterest expense | 587,000 | 1,131,000 | 1,672,000 | 2,254,000 |
| Provision for loan losses | 30,000 | 90,000 | 120,000 | 280,000 |
| Pretax income | 146,000 | 214,000 | 309,000 | 220,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 146,000 | 214,000 | 309,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,877,000 | 4,945,000 | 4,967,000 | 5,019,000 |
| Total capital | 5,520,000 | 5,632,000 | 5,651,000 | 5,729,000 |
| Risk-weighted assets | 51,342,000 | 55,594,000 | 56,184,000 | 56,630,000 |