Call reports 2008
CS BANK — 2008
What CS 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 | 107,917,000 | 113,370,000 | 118,457,000 | 122,301,000 |
| Total loans | 66,883,000 | 73,600,000 | 75,658,000 | 82,127,000 |
| Allowance for loan losses | 813,000 | 818,000 | 845,000 | 992,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,130,000 | 27,304,000 | 29,661,000 | 27,115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,999,000 | 84,638,000 | 86,869,000 | 93,686,000 |
| Interest-bearing deposits | 76,334,000 | 77,158,000 | 79,175,000 | 86,225,000 |
| Noninterest-bearing deposits | 7,665,000 | 7,480,000 | 7,694,000 | 7,461,000 |
| Equity capital | 11,994,000 | 12,211,000 | 12,410,000 | 12,395,000 |
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 | 1,796,000 | 3,663,000 | 5,494,000 | 7,397,000 |
| Interest expense | 771,000 | 1,355,000 | 1,938,000 | 2,519,000 |
| Net interest income | 1,025,000 | 2,308,000 | 3,556,000 | 4,878,000 |
| Noninterest income | 309,000 | 648,000 | 957,000 | 1,192,000 |
| Noninterest expense | 997,000 | 1,922,000 | 2,924,000 | 3,924,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 240,000 |
| Pretax income | 322,000 | 1,004,000 | 1,529,000 | 1,906,000 |
| Income tax | 11,000 | 45,000 | 79,000 | 113,000 |
| Net income | 311,000 | 959,000 | 1,450,000 | 1,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,994,000 | 12,211,000 | 12,410,000 | 12,395,000 |
| Total capital | 12,807,000 | 13,029,000 | 13,255,000 | 13,387,000 |
| Risk-weighted assets | 76,402,000 | 82,313,000 | 85,215,000 | 90,897,000 |