Call reports 2009
COMMUNITY STATE BANK — 2009
What COMMUNITY 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 | 59,171,000 | 59,001,000 | 58,965,000 | 57,023,000 |
| Total loans | 32,341,000 | 33,078,000 | 34,637,000 | 34,667,000 |
| Allowance for loan losses | 376,000 | 406,000 | 437,000 | 419,000 |
| Securities available for sale | 20,308,000 | 20,791,000 | 19,758,000 | 17,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,822,000 | 52,683,000 | 52,313,000 | 50,043,000 |
| Interest-bearing deposits | 39,427,000 | 40,108,000 | 39,402,000 | 37,261,000 |
| Noninterest-bearing deposits | 13,395,000 | 12,575,000 | 12,911,000 | 12,782,000 |
| Equity capital | 5,417,000 | 5,547,000 | 5,751,000 | 5,515,000 |
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 | 787,000 | 1,583,000 | 2,378,000 | 3,155,000 |
| Interest expense | 136,000 | 258,000 | 374,000 | 480,000 |
| Net interest income | 651,000 | 1,325,000 | 2,004,000 | 2,675,000 |
| Noninterest income | 131,000 | 276,000 | 432,000 | 581,000 |
| Noninterest expense | 455,000 | 958,000 | 1,465,000 | 2,047,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 297,000 | 583,000 | 881,000 | 1,109,000 |
| Income tax | 80,000 | 161,000 | 247,000 | 345,000 |
| Net income | 217,000 | 422,000 | 634,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,041,000 | 5,246,000 | 5,258,000 | 5,078,000 |
| Total capital | 5,417,000 | 5,652,000 | 5,695,000 | 5,497,000 |
| Risk-weighted assets | 38,103,000 | 38,391,000 | 39,746,000 | 40,046,000 |