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 | 17,153,000 | 17,028,000 | 18,535,000 | 18,974,000 |
| Total loans | 9,025,000 | 9,311,000 | 9,710,000 | 9,909,000 |
| Allowance for loan losses | 213,000 | 212,000 | 197,000 | 190,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,883,000 | 3,731,000 | 3,475,000 | 3,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,201,000 | 15,020,000 | 16,498,000 | 16,978,000 |
| Interest-bearing deposits | 11,309,000 | 11,817,000 | 12,506,000 | 13,212,000 |
| Noninterest-bearing deposits | 3,892,000 | 3,203,000 | 3,992,000 | 3,766,000 |
| Equity capital | 1,909,000 | 1,969,000 | 1,996,000 | 1,962,000 |
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 | 273,000 | 524,000 | 788,000 | 1,049,000 |
| Interest expense | 93,000 | 174,000 | 253,000 | 325,000 |
| Net interest income | 180,000 | 350,000 | 535,000 | 724,000 |
| Noninterest income | 32,000 | 61,000 | 98,000 | 134,000 |
| Noninterest expense | 125,000 | 254,000 | 384,000 | 548,000 |
| Provision for loan losses | 4,000 | 8,000 | 15,000 | 25,000 |
| Pretax income | 83,000 | 149,000 | 234,000 | 285,000 |
| Income tax | 24,000 | 51,000 | 78,000 | 54,000 |
| Net income | 59,000 | 98,000 | 156,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,909,000 | 1,969,000 | 1,996,000 | 1,962,000 |
| Total capital | 2,027,000 | 2,088,000 | 2,121,000 | 2,092,000 |
| Risk-weighted assets | 9,348,000 | 9,399,000 | 9,926,000 | 10,324,000 |