Call reports 2008
COOPER STATE BANK — 2008
What COOPER 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 | 43,970,000 | 48,226,000 | 55,088,000 | 58,122,000 |
| Total loans | 30,202,000 | 34,065,000 | 42,813,000 | 45,419,000 |
| Allowance for loan losses | 308,000 | 351,000 | 443,000 | 543,000 |
| Securities available for sale | 2,629,000 | 2,491,000 | 3,455,000 | 2,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,597,000 | 32,761,000 | 36,736,000 | 39,806,000 |
| Interest-bearing deposits | 23,938,000 | 29,830,000 | 32,688,000 | 34,570,000 |
| Noninterest-bearing deposits | 3,659,000 | 2,931,000 | 4,048,000 | 5,236,000 |
| Equity capital | 11,018,000 | 10,213,000 | 9,408,000 | 8,795,000 |
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 | 544,000 | 1,151,000 | 1,845,000 | 2,595,000 |
| Interest expense | 243,000 | 531,000 | 839,000 | 1,167,000 |
| Net interest income | 301,000 | 620,000 | 1,006,000 | 1,428,000 |
| Noninterest income | 90,000 | 226,000 | 428,000 | 681,000 |
| Noninterest expense | 1,000,000 | 2,172,000 | 3,476,000 | 4,675,000 |
| Provision for loan losses | 51,000 | 94,000 | 186,000 | 286,000 |
| Pretax income | -660,000 | -1,420,000 | -2,228,000 | -2,841,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -660,000 | -1,420,000 | -2,228,000 | -2,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,938,000 | 10,184,000 | 9,368,000 | 8,755,000 |
| Total capital | 11,245,000 | 10,534,000 | 9,811,000 | 9,240,000 |
| Risk-weighted assets | 27,372,000 | 29,928,000 | 35,888,000 | 37,987,000 |