Call reports 2008
CASTROVILLE STATE BANK — 2008
What CASTROVILLE STATE 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 | 88,586,000 | 84,328,000 | 83,818,000 | 91,579,000 |
| Total loans | 39,506,000 | 40,954,000 | 39,338,000 | 39,383,000 |
| Allowance for loan losses | 410,000 | 419,000 | 426,000 | 443,000 |
| Securities available for sale | 38,005,000 | 35,192,000 | 34,930,000 | 42,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,403,000 | 75,773,000 | 75,089,000 | 76,350,000 |
| Interest-bearing deposits | 68,330,000 | 65,182,000 | 64,226,000 | 64,386,000 |
| Noninterest-bearing deposits | 11,073,000 | 10,591,000 | 10,862,000 | 11,963,000 |
| Equity capital | 8,709,000 | 8,375,000 | 8,546,000 | 8,918,000 |
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 | 1,176,000 | 2,347,000 | 3,493,000 | 4,631,000 |
| Interest expense | 524,000 | 1,021,000 | 1,494,000 | 1,948,000 |
| Net interest income | 652,000 | 1,326,000 | 1,999,000 | 2,683,000 |
| Noninterest income | 154,000 | 311,000 | 481,000 | 640,000 |
| Noninterest expense | 519,000 | 1,023,000 | 1,550,000 | 2,068,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 62,000 |
| Pretax income | 276,000 | 593,000 | 898,000 | 1,193,000 |
| Income tax | 66,000 | 145,000 | 218,000 | 286,000 |
| Net income | 210,000 | 448,000 | 680,000 | 907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,170,000 | 8,348,000 | 8,520,000 | 8,445,000 |
| Total capital | 8,580,000 | 8,767,000 | 8,946,000 | 8,888,000 |
| Risk-weighted assets | 45,526,000 | 45,730,000 | 45,931,000 | 47,525,000 |