Call reports 2009
COMMUNITY STATE BANK OF ROCK FALLS — 2009
What COMMUNITY STATE BANK OF ROCK FALLS 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 | 181,978,000 | 185,437,000 | 190,990,000 | 204,461,000 |
| Total loans | 138,313,000 | 138,458,000 | 143,099,000 | 149,714,000 |
| Allowance for loan losses | 1,215,000 | 1,638,000 | 1,792,000 | 1,864,000 |
| Securities available for sale | 27,993,000 | 27,108,000 | 27,465,000 | 28,841,000 |
| Securities held to maturity | 255,000 | 254,000 | 254,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,556,000 | 169,343,000 | 174,122,000 | 187,851,000 |
| Interest-bearing deposits | 145,560,000 | 151,228,000 | 156,410,000 | 167,987,000 |
| Noninterest-bearing deposits | 19,996,000 | 18,115,000 | 17,712,000 | 19,864,000 |
| Equity capital | 14,534,000 | 14,567,000 | 15,176,000 | 15,165,000 |
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 | 2,476,000 | 4,985,000 | 7,521,000 | 10,045,000 |
| Interest expense | 995,000 | 1,998,000 | 2,976,000 | 3,915,000 |
| Net interest income | 1,481,000 | 2,987,000 | 4,545,000 | 6,130,000 |
| Noninterest income | 452,000 | 846,000 | 1,138,000 | 1,435,000 |
| Noninterest expense | 1,256,000 | 2,513,000 | 3,722,000 | 4,959,000 |
| Provision for loan losses | 219,000 | 755,000 | 1,011,000 | 1,878,000 |
| Pretax income | 468,000 | 575,000 | 960,000 | 738,000 |
| Income tax | 161,000 | 77,000 | 193,000 | 86,000 |
| Net income | 307,000 | 498,000 | 767,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,704,000 | 12,838,000 | 13,410,000 | 13,554,000 |
| Total capital | 13,919,000 | 14,476,000 | 15,170,000 | 15,418,000 |
| Risk-weighted assets | 136,181,000 | 137,306,000 | 140,762,000 | 148,489,000 |
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