Call reports 2009
CENTRAL STATE BANK — 2009
What CENTRAL 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 | 121,626,000 | 123,680,000 | 121,238,000 | 126,200,000 |
| Total loans | 87,642,000 | 86,764,000 | 81,562,000 | 79,395,000 |
| Allowance for loan losses | 1,507,000 | 1,655,000 | 2,348,000 | 2,793,000 |
| Securities available for sale | 27,658,000 | 31,760,000 | 31,521,000 | 37,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,410,000 | 84,353,000 | 80,438,000 | 82,737,000 |
| Interest-bearing deposits | 80,446,000 | 78,082,000 | 74,637,000 | 74,274,000 |
| Noninterest-bearing deposits | 5,964,000 | 6,271,000 | 5,801,000 | 8,463,000 |
| Equity capital | 17,021,000 | 17,745,000 | 18,137,000 | 16,899,000 |
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 | 1,680,000 | 3,438,000 | 5,145,000 | 6,724,000 |
| Interest expense | 679,000 | 1,315,000 | 1,928,000 | 2,515,000 |
| Net interest income | 1,001,000 | 2,123,000 | 3,217,000 | 4,209,000 |
| Noninterest income | 85,000 | 183,000 | 340,000 | 428,000 |
| Noninterest expense | 518,000 | 1,038,000 | 1,731,000 | 2,317,000 |
| Provision for loan losses | 550,000 | 699,000 | 1,472,000 | 2,364,000 |
| Pretax income | 18,000 | 610,000 | 810,000 | 453,000 |
| Income tax | 0 | 28,000 | 70,000 | 23,000 |
| Net income | 18,000 | 582,000 | 740,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,474,000 | 18,963,000 | 18,772,000 | 18,252,000 |
| Total capital | 19,544,000 | 20,269,000 | 20,000,000 | 19,517,000 |
| Risk-weighted assets | 102,067,000 | 103,338,000 | 97,034,000 | 99,673,000 |
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