Call reports 2009
CHARLEVOIX STATE BANK — 2009
What CHARLEVOIX 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 | 134,368,000 | 125,539,000 | 146,951,000 | 138,495,000 |
| Total loans | 104,990,000 | 105,865,000 | 103,899,000 | 101,973,000 |
| Allowance for loan losses | 1,771,000 | 1,958,000 | 2,068,000 | 1,658,000 |
| Securities available for sale | 10,482,000 | 8,798,000 | 10,737,000 | 11,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,828,000 | 110,143,000 | 131,252,000 | 123,991,000 |
| Interest-bearing deposits | 99,628,000 | 88,740,000 | 107,642,000 | 101,702,000 |
| Noninterest-bearing deposits | 19,200,000 | 21,403,000 | 23,610,000 | 22,289,000 |
| Equity capital | 12,234,000 | 12,120,000 | 12,434,000 | 12,685,000 |
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 | 1,783,000 | 3,575,000 | 5,352,000 | 7,060,000 |
| Interest expense | 454,000 | 895,000 | 1,304,000 | 1,693,000 |
| Net interest income | 1,329,000 | 2,680,000 | 4,048,000 | 5,367,000 |
| Noninterest income | 265,000 | 308,000 | 780,000 | 1,138,000 |
| Noninterest expense | 1,134,000 | 2,288,000 | 3,674,000 | 4,836,000 |
| Provision for loan losses | 495,000 | 712,000 | 862,000 | 1,082,000 |
| Pretax income | -23,000 | 2,000 | 306,000 | 601,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -23,000 | 2,000 | 306,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,132,000 | 12,007,000 | 12,216,000 | 12,506,000 |
| Total capital | 13,442,000 | 13,291,000 | 13,504,000 | 13,782,000 |
| Risk-weighted assets | 104,307,000 | 101,316,000 | 102,323,000 | 101,774,000 |
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