Call reports 2009
STATE BANK OF CERRO GORDO — 2009
What STATE BANK OF CERRO GORDO 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 | 22,448,000 | 22,099,000 | 24,751,000 | 24,111,000 |
| Total loans | 11,748,000 | 11,855,000 | 11,336,000 | 11,513,000 |
| Allowance for loan losses | 109,000 | 92,000 | 96,000 | 83,000 |
| Securities available for sale | 3,000 | 347,000 | 357,000 | 356,000 |
| Securities held to maturity | 5,734,000 | 5,329,000 | 5,588,000 | 4,913,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,545,000 | 18,159,000 | 20,785,000 | 20,218,000 |
| Interest-bearing deposits | 16,207,000 | 15,874,000 | 18,156,000 | 17,308,000 |
| Noninterest-bearing deposits | 2,338,000 | 2,285,000 | 2,629,000 | 2,910,000 |
| Equity capital | 3,685,000 | 3,710,000 | 3,736,000 | 3,764,000 |
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 | 268,000 | 532,000 | 791,000 | 1,052,000 |
| Interest expense | 63,000 | 125,000 | 182,000 | 232,000 |
| Net interest income | 205,000 | 407,000 | 609,000 | 820,000 |
| Noninterest income | 51,000 | 113,000 | 173,000 | 217,000 |
| Noninterest expense | 214,000 | 438,000 | 676,000 | 922,000 |
| Provision for loan losses | 0 | 2,000 | 7,000 | 11,000 |
| Pretax income | 42,000 | 80,000 | 99,000 | 104,000 |
| Income tax | 9,000 | 18,000 | 18,000 | -76,000 |
| Net income | 33,000 | 62,000 | 81,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,170,000 | 3,205,000 | 3,229,000 | 3,259,000 |
| Total capital | 3,279,000 | 3,297,000 | 3,327,000 | 3,344,000 |
| Risk-weighted assets | 11,634,000 | 11,742,000 | 12,050,000 | 12,222,000 |
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