Call reports 2009
CITY STATE BANK, THE — 2009
What CITY STATE BANK, THE 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 | 30,565,000 | 30,844,000 | 30,956,000 | 31,400,000 |
| Total loans | 19,447,000 | 19,905,000 | 20,087,000 | 19,373,000 |
| Allowance for loan losses | 217,000 | 202,000 | 198,000 | 176,000 |
| Securities available for sale | 1,958,000 | 1,707,000 | 1,515,000 | 1,516,000 |
| Securities held to maturity | 2,934,000 | 3,647,000 | 3,995,000 | 4,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,462,000 | 27,707,000 | 27,772,000 | 28,249,000 |
| Interest-bearing deposits | 23,734,000 | 24,128,000 | 24,117,000 | 24,539,000 |
| Noninterest-bearing deposits | 3,728,000 | 3,579,000 | 3,655,000 | 3,710,000 |
| Equity capital | 3,027,000 | 3,034,000 | 3,052,000 | 3,068,000 |
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 | 426,000 | 840,000 | 1,257,000 | 1,656,000 |
| Interest expense | 121,000 | 240,000 | 355,000 | 459,000 |
| Net interest income | 305,000 | 600,000 | 902,000 | 1,197,000 |
| Noninterest income | 40,000 | 81,000 | 120,000 | 162,000 |
| Noninterest expense | 232,000 | 476,000 | 729,000 | 983,000 |
| Provision for loan losses | 12,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 101,000 | 193,000 | 281,000 | 364,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 13,000 |
| Net income | 98,000 | 187,000 | 272,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,979,000 | 2,988,000 | 3,003,000 | 3,017,000 |
| Total capital | 3,196,000 | 3,190,000 | 3,201,000 | 3,193,000 |
| Risk-weighted assets | 19,258,000 | 19,351,000 | 19,483,000 | 19,195,000 |