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 | 52,213,000 | 52,697,000 | 51,388,000 | 56,734,000 |
| Total loans | 28,677,000 | 29,081,000 | 30,028,000 | 29,875,000 |
| Allowance for loan losses | 429,000 | 463,000 | 470,000 | 480,000 |
| Securities available for sale | 15,702,000 | 16,341,000 | 14,752,000 | 15,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,260,000 | 42,325,000 | 40,888,000 | 46,057,000 |
| Interest-bearing deposits | 34,171,000 | 34,748,000 | 32,819,000 | 36,517,000 |
| Noninterest-bearing deposits | 8,089,000 | 7,577,000 | 8,070,000 | 9,540,000 |
| Equity capital | 4,141,000 | 4,135,000 | 4,178,000 | 4,122,000 |
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 | 617,000 | 1,172,000 | 1,707,000 | 2,227,000 |
| Interest expense | 198,000 | 391,000 | 573,000 | 754,000 |
| Net interest income | 419,000 | 781,000 | 1,134,000 | 1,473,000 |
| Noninterest income | 87,000 | 174,000 | 260,000 | 348,000 |
| Noninterest expense | 305,000 | 588,000 | 881,000 | 1,281,000 |
| Provision for loan losses | 2,000 | 72,000 | 73,000 | 76,000 |
| Pretax income | 199,000 | 295,000 | 440,000 | 464,000 |
| Income tax | 64,000 | 97,000 | 146,000 | 154,000 |
| Net income | 135,000 | 198,000 | 294,000 | 310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,109,000 | 4,111,000 | 4,148,000 | 4,097,000 |
| Total capital | 4,463,000 | 4,469,000 | 4,511,000 | 4,469,000 |
| Risk-weighted assets | 28,239,000 | 28,507,000 | 28,938,000 | 29,639,000 |