Call reports 2009
MANSON STATE BANK — 2009
What MANSON 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 | 36,995,000 | 35,734,000 | 35,676,000 | 36,223,000 |
| Total loans | 17,067,000 | 15,981,000 | 16,002,000 | 15,845,000 |
| Allowance for loan losses | 181,000 | 232,000 | 231,000 | 257,000 |
| Securities available for sale | 18,057,000 | 17,951,000 | 17,365,000 | 18,192,000 |
| Securities held to maturity | 23,000 | 22,000 | 21,000 | 19,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,146,000 | 31,697,000 | 31,462,000 | 30,869,000 |
| Interest-bearing deposits | 28,502,000 | 27,546,000 | 26,808,000 | 26,463,000 |
| Noninterest-bearing deposits | 3,644,000 | 4,151,000 | 4,654,000 | 4,406,000 |
| Equity capital | 4,191,000 | 3,904,000 | 4,096,000 | 3,880,000 |
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 | 394,000 | 766,000 | 1,083,000 | 1,611,000 |
| Interest expense | 124,000 | 237,000 | 340,000 | 427,000 |
| Net interest income | 270,000 | 529,000 | 743,000 | 1,184,000 |
| Noninterest income | 21,000 | 66,000 | 102,000 | 130,000 |
| Noninterest expense | 183,000 | 392,000 | 602,000 | 834,000 |
| Provision for loan losses | 0 | 313,000 | 313,000 | 430,000 |
| Pretax income | 108,000 | -110,000 | 121,000 | 316,000 |
| Income tax | 5,000 | 11,000 | 6,000 | 16,000 |
| Net income | 103,000 | -121,000 | 115,000 | 300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,083,000 | 2,801,000 | 3,034,000 | 3,113,000 |
| Total capital | 3,264,000 | 3,033,000 | 3,265,000 | 3,363,000 |
| Risk-weighted assets | 22,597,000 | 21,607,000 | 19,462,000 | 19,990,000 |