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 | 45,686,000 | 38,834,000 | 41,020,000 | 42,230,000 |
| Total loans | 29,799,000 | 30,596,000 | 31,878,000 | 33,220,000 |
| Allowance for loan losses | 147,000 | 100,000 | 162,000 | 184,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,845,000 | 1,696,000 | 1,560,000 | 969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,315,000 | 31,402,000 | 33,585,000 | 34,794,000 |
| Interest-bearing deposits | 33,246,000 | 26,666,000 | 28,338,000 | 29,142,000 |
| Noninterest-bearing deposits | 5,069,000 | 4,736,000 | 5,246,000 | 5,653,000 |
| Equity capital | 6,510,000 | 6,622,000 | 6,953,000 | 6,820,000 |
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 | 711,000 | 1,341,000 | 1,992,000 | 2,677,000 |
| Interest expense | 316,000 | 570,000 | 809,000 | 1,032,000 |
| Net interest income | 395,000 | 771,000 | 1,183,000 | 1,645,000 |
| Noninterest income | 154,000 | 197,000 | 228,000 | 250,000 |
| Noninterest expense | 284,000 | 572,000 | 862,000 | 1,146,000 |
| Provision for loan losses | 11,000 | -36,000 | 26,000 | 97,000 |
| Pretax income | 254,000 | 432,000 | 525,000 | 654,000 |
| Income tax | 40,000 | 107,000 | 92,000 | 265,000 |
| Net income | 214,000 | 325,000 | 433,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,946,000 | 7,057,000 | 7,165,000 | 7,032,000 |
| Total capital | 7,093,000 | 7,057,000 | 7,327,000 | 7,216,000 |
| Risk-weighted assets | 22,626,000 | 17,634,000 | 19,898,000 | 29,109,000 |