Call reports 2008
COMMUNITY STATE BANK — 2008
What COMMUNITY 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 | 31,905,000 | 33,528,000 | 34,703,000 | 32,825,000 |
| Total loans | 25,597,000 | 26,654,000 | 26,504,000 | 26,668,000 |
| Allowance for loan losses | 322,000 | 323,000 | 302,000 | 308,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,264,000 | 1,186,000 | 936,000 | 837,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,052,000 | 30,618,000 | 31,726,000 | 29,926,000 |
| Interest-bearing deposits | 20,008,000 | 20,465,000 | 20,782,000 | 21,103,000 |
| Noninterest-bearing deposits | 9,044,000 | 10,153,000 | 10,944,000 | 8,823,000 |
| Equity capital | 2,783,000 | 2,832,000 | 2,855,000 | 2,877,000 |
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 | 613,000 | 1,233,000 | 1,863,000 | 2,468,000 |
| Interest expense | 145,000 | 280,000 | 406,000 | 525,000 |
| Net interest income | 468,000 | 953,000 | 1,457,000 | 1,943,000 |
| Noninterest income | 160,000 | 330,000 | 503,000 | 662,000 |
| Noninterest expense | 418,000 | 854,000 | 1,333,000 | 1,794,000 |
| Provision for loan losses | 40,000 | 75,000 | 115,000 | 147,000 |
| Pretax income | 170,000 | 354,000 | 512,000 | 664,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 170,000 | 354,000 | 512,000 | 664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,783,000 | 2,832,000 | 2,855,000 | 2,877,000 |
| Total capital | 3,105,000 | 3,155,000 | 3,157,000 | 3,185,000 |
| Risk-weighted assets | 27,066,000 | 28,129,000 | 28,160,000 | 28,116,000 |