Call reports 2009
CONGAREE STATE BANK — 2009
What CONGAREE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 127,573,000 | 132,952,000 | 132,997,000 | 137,658,000 |
| Total loans | 111,150,000 | 110,038,000 | 108,917,000 | 106,111,000 |
| Allowance for loan losses | 1,602,000 | 1,602,000 | 1,446,000 | 1,499,000 |
| Securities available for sale | 13,266,000 | 12,818,000 | 10,684,000 | 17,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,761,000 | 117,160,000 | 117,554,000 | 124,645,000 |
| Interest-bearing deposits | 101,278,000 | 106,958,000 | 106,945,000 | 112,878,000 |
| Noninterest-bearing deposits | 12,483,000 | 10,203,000 | 10,609,000 | 11,768,000 |
| Equity capital | 10,294,000 | 10,113,000 | 10,299,000 | 9,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,640,000 | 3,323,000 | 5,003,000 | 6,655,000 |
| Interest expense | 835,000 | 1,581,000 | 2,249,000 | 2,868,000 |
| Net interest income | 805,000 | 1,742,000 | 2,754,000 | 3,787,000 |
| Noninterest income | 57,000 | 143,000 | 197,000 | 264,000 |
| Noninterest expense | 1,064,000 | 2,237,000 | 3,202,000 | 4,244,000 |
| Provision for loan losses | 177,000 | 177,000 | 177,000 | 718,000 |
| Pretax income | -328,000 | -477,000 | -313,000 | -797,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -328,000 | -477,000 | -313,000 | -797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,010,000 | 9,861,000 | 10,025,000 | 9,542,000 |
| Total capital | 11,307,000 | 11,169,000 | 11,319,000 | 10,836,000 |
| Risk-weighted assets | 103,490,000 | 103,624,000 | 103,410,000 | 102,552,000 |
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