Call reports 2008
CITY STATE BANK OF PALACIOS, THE — 2008
What CITY STATE BANK OF PALACIOS, 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 | 43,804,000 | 43,705,000 | 44,545,000 | 43,627,000 |
| Total loans | 25,461,000 | 27,311,000 | 26,628,000 | 24,830,000 |
| Allowance for loan losses | 380,000 | 327,000 | 303,000 | 327,000 |
| Securities available for sale | 12,904,000 | 12,289,000 | 12,904,000 | 14,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,305,000 | 38,567,000 | 39,157,000 | 38,169,000 |
| Interest-bearing deposits | 27,709,000 | 29,302,000 | 26,321,000 | 26,822,000 |
| Noninterest-bearing deposits | 10,596,000 | 9,265,000 | 12,836,000 | 11,347,000 |
| Equity capital | 4,815,000 | 4,567,000 | 4,726,000 | 4,820,000 |
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 | 661,000 | 1,263,000 | 1,880,000 | 2,468,000 |
| Interest expense | 200,000 | 384,000 | 555,000 | 707,000 |
| Net interest income | 461,000 | 879,000 | 1,325,000 | 1,761,000 |
| Noninterest income | 74,000 | 346,000 | 420,000 | 486,000 |
| Noninterest expense | 464,000 | 996,000 | 1,478,000 | 1,935,000 |
| Provision for loan losses | 50,000 | 195,000 | 195,000 | 195,000 |
| Pretax income | 21,000 | 28,000 | 78,000 | 123,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 21,000 | 28,000 | 78,000 | 123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,688,000 | 4,685,000 | 4,735,000 | 4,703,000 |
| Total capital | 4,952,000 | 4,974,000 | 5,001,000 | 4,972,000 |
| Risk-weighted assets | 20,999,000 | 23,243,000 | 21,229,000 | 21,451,000 |