Call reports 2008
CABOOL STATE BANK — 2008
What CABOOL 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 | 69,783,000 | 69,342,000 | 70,531,000 | 70,053,000 |
| Total loans | 40,916,000 | 42,244,000 | 45,524,000 | 47,188,000 |
| Allowance for loan losses | 777,000 | 774,000 | 754,000 | 711,000 |
| Securities available for sale | 22,474,000 | 22,782,000 | 21,273,000 | 19,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,702,000 | 58,856,000 | 58,027,000 | 55,965,000 |
| Interest-bearing deposits | 50,996,000 | 51,533,000 | 50,406,000 | 49,343,000 |
| Noninterest-bearing deposits | 7,706,000 | 7,323,000 | 7,621,000 | 6,622,000 |
| Equity capital | 10,669,000 | 10,315,000 | 10,358,000 | 10,499,000 |
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 | 1,036,000 | 2,112,000 | 3,184,000 | 4,082,000 |
| Interest expense | 418,000 | 816,000 | 1,190,000 | 1,530,000 |
| Net interest income | 618,000 | 1,296,000 | 1,994,000 | 2,552,000 |
| Noninterest income | 53,000 | 114,000 | 157,000 | 212,000 |
| Noninterest expense | 598,000 | 1,229,000 | 1,824,000 | 2,445,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 40,000 |
| Pretax income | 73,000 | 181,000 | 328,000 | 300,000 |
| Income tax | 3,000 | 18,000 | 45,000 | 10,000 |
| Net income | 70,000 | 163,000 | 283,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,402,000 | 10,408,000 | 10,441,000 | 10,361,000 |
| Total capital | 10,819,000 | 10,839,000 | 10,898,000 | 10,832,000 |
| Risk-weighted assets | 43,672,000 | 44,898,000 | 47,277,000 | 48,495,000 |