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 | 31,135,000 | 32,050,000 | 31,366,000 | 33,833,000 |
| Total loans | 13,009,000 | 13,022,000 | 13,837,000 | 16,319,000 |
| Allowance for loan losses | 262,000 | 256,000 | 256,000 | 257,000 |
| Securities available for sale | 14,265,000 | 13,345,000 | 15,319,000 | 14,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,733,000 | 26,757,000 | 25,731,000 | 26,290,000 |
| Interest-bearing deposits | 22,405,000 | 22,999,000 | 22,769,000 | 21,792,000 |
| Noninterest-bearing deposits | 3,328,000 | 3,758,000 | 2,962,000 | 4,498,000 |
| Equity capital | 4,714,000 | 4,695,000 | 4,939,000 | 4,906,000 |
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 | 384,000 | 727,000 | 1,084,000 | 1,451,000 |
| Interest expense | 118,000 | 236,000 | 351,000 | 452,000 |
| Net interest income | 266,000 | 491,000 | 733,000 | 999,000 |
| Noninterest income | 5,000 | 40,000 | 46,000 | 53,000 |
| Noninterest expense | 184,000 | 342,000 | 525,000 | 741,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 87,000 | 189,000 | 254,000 | 311,000 |
| Income tax | 16,000 | 30,000 | 36,000 | 39,000 |
| Net income | 71,000 | 159,000 | 218,000 | 272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,738,000 | 4,826,000 | 4,886,000 | 4,910,000 |
| Total capital | 4,972,000 | 5,082,000 | 5,128,000 | 5,167,000 |
| Risk-weighted assets | 18,729,000 | 21,113,000 | 19,320,000 | 20,892,000 |