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 | 15,448,000 | 15,389,000 | 15,431,000 | 15,780,000 |
| Total loans | 6,982,000 | 7,580,000 | 8,247,000 | 9,081,000 |
| Allowance for loan losses | 124,000 | 124,000 | 124,000 | 124,000 |
| Securities available for sale | 2,620,000 | 2,281,000 | 2,286,000 | 2,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,620,000 | 13,586,000 | 13,614,000 | 13,896,000 |
| Interest-bearing deposits | 11,942,000 | 12,203,000 | 12,117,000 | 11,313,000 |
| Noninterest-bearing deposits | 1,678,000 | 1,383,000 | 1,497,000 | 2,583,000 |
| Equity capital | 1,729,000 | 1,704,000 | 1,732,000 | 1,772,000 |
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 | 206,000 | 398,000 | 590,000 | 801,000 |
| Interest expense | 117,000 | 222,000 | 311,000 | 390,000 |
| Net interest income | 89,000 | 176,000 | 279,000 | 411,000 |
| Noninterest income | 4,000 | 10,000 | 16,000 | 26,000 |
| Noninterest expense | 82,000 | 160,000 | 254,000 | 360,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,000 | 26,000 | 41,000 | 77,000 |
| Income tax | 1,000 | 7,000 | 7,000 | 24,000 |
| Net income | 10,000 | 19,000 | 34,000 | 53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,712,000 | 1,721,000 | 1,744,000 | 1,754,000 |
| Total capital | 1,816,000 | 1,831,000 | 1,862,000 | 1,878,000 |
| Risk-weighted assets | 8,262,000 | 8,810,000 | 9,447,000 | 10,120,000 |