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 | 77,542,000 | 78,061,000 | 78,271,000 | 83,408,000 |
| Total loans | 52,305,000 | 56,881,000 | 60,358,000 | 60,306,000 |
| Allowance for loan losses | 561,000 | 607,000 | 660,000 | 765,000 |
| Securities available for sale | 13,311,000 | 13,801,000 | 12,968,000 | 14,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,907,000 | 70,635,000 | 68,148,000 | 75,471,000 |
| Interest-bearing deposits | 60,356,000 | 61,425,000 | 58,528,000 | 63,391,000 |
| Noninterest-bearing deposits | 9,551,000 | 9,210,000 | 9,620,000 | 12,080,000 |
| Equity capital | 6,806,000 | 6,806,000 | 6,953,000 | 7,188,000 |
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 | 1,106,000 | 2,216,000 | 3,344,000 | 4,478,000 |
| Interest expense | 405,000 | 759,000 | 1,096,000 | 1,422,000 |
| Net interest income | 701,000 | 1,457,000 | 2,248,000 | 3,056,000 |
| Noninterest income | 96,000 | 197,000 | 298,000 | 405,000 |
| Noninterest expense | 573,000 | 1,115,000 | 1,681,000 | 2,264,000 |
| Provision for loan losses | 30,000 | 75,000 | 150,000 | 305,000 |
| Pretax income | 198,000 | 471,000 | 722,000 | 899,000 |
| Income tax | 58,000 | 140,000 | 218,000 | 258,000 |
| Net income | 140,000 | 331,000 | 504,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,043,000 | 6,256,000 | 6,314,000 | 6,460,000 |
| Total capital | 6,604,000 | 6,863,000 | 6,974,000 | 7,196,000 |
| Risk-weighted assets | 51,625,000 | 55,866,000 | 57,542,000 | 59,008,000 |