Call reports 2008
COMMUNITY STATE BANK, THE — 2008
What COMMUNITY STATE BANK, THE 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 | 143,354,000 | 141,020,000 | 142,374,000 | 143,525,000 |
| Total loans | 102,105,000 | 104,880,000 | 107,147,000 | 112,156,000 |
| Allowance for loan losses | 1,007,000 | 1,026,000 | 980,000 | 972,000 |
| Securities available for sale | 21,433,000 | 22,105,000 | 21,788,000 | 18,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,298,000 | 116,235,000 | 115,966,000 | 118,149,000 |
| Interest-bearing deposits | 90,398,000 | 87,650,000 | 86,007,000 | 91,041,000 |
| Noninterest-bearing deposits | 27,900,000 | 28,585,000 | 29,959,000 | 27,108,000 |
| Equity capital | 13,505,000 | 13,352,000 | 13,826,000 | 13,934,000 |
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 | 2,219,000 | 4,451,000 | 6,694,000 | 8,843,000 |
| Interest expense | 655,000 | 1,282,000 | 1,857,000 | 2,392,000 |
| Net interest income | 1,564,000 | 3,169,000 | 4,837,000 | 6,451,000 |
| Noninterest income | 310,000 | 624,000 | 1,002,000 | 1,378,000 |
| Noninterest expense | 1,265,000 | 2,634,000 | 4,144,000 | 5,757,000 |
| Provision for loan losses | 79,000 | 154,000 | 183,000 | 306,000 |
| Pretax income | 513,000 | 962,000 | 1,466,000 | 1,721,000 |
| Income tax | 186,000 | 328,000 | 474,000 | 615,000 |
| Net income | 327,000 | 634,000 | 992,000 | 1,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,952,000 | 13,175,000 | 13,533,000 | 13,552,000 |
| Total capital | 13,959,000 | 14,201,000 | 14,513,000 | 14,524,000 |
| Risk-weighted assets | 94,961,000 | 96,702,000 | 99,632,000 | 103,892,000 |