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 | 83,357,000 | 86,126,000 | 82,156,000 | 88,916,000 |
| Total loans | 58,623,000 | 61,431,000 | 61,908,000 | 64,271,000 |
| Allowance for loan losses | 324,000 | 303,000 | 281,000 | 286,000 |
| Securities available for sale | 10,376,000 | 12,697,000 | 13,816,000 | 12,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,103,000 | 71,648,000 | 67,781,000 | 75,557,000 |
| Interest-bearing deposits | 57,697,000 | 58,268,000 | 55,798,000 | 59,941,000 |
| Noninterest-bearing deposits | 11,406,000 | 13,380,000 | 11,983,000 | 15,616,000 |
| Equity capital | 7,184,000 | 7,261,000 | 7,413,000 | 7,661,000 |
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 | 1,216,000 | 2,355,000 | 3,483,000 | 4,599,000 |
| Interest expense | 474,000 | 905,000 | 1,303,000 | 1,670,000 |
| Net interest income | 742,000 | 1,450,000 | 2,180,000 | 2,929,000 |
| Noninterest income | 141,000 | 285,000 | 470,000 | 674,000 |
| Noninterest expense | 633,000 | 1,254,000 | 1,848,000 | 2,422,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 250,000 | 496,000 | 817,000 | 1,191,000 |
| Income tax | 85,000 | 159,000 | 261,000 | 372,000 |
| Net income | 165,000 | 337,000 | 556,000 | 819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,136,000 | 7,258,000 | 7,417,000 | 7,601,000 |
| Total capital | 7,460,000 | 7,561,000 | 7,698,000 | 7,887,000 |
| Risk-weighted assets | 62,373,000 | 66,568,000 | 63,023,000 | 65,522,000 |