Call reports 2009
STATE BANK OF CARBONDALE — 2009
What STATE BANK OF CARBONDALE 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 | 16,755,000 | 17,470,000 | 18,041,000 | 18,329,000 |
| Total loans | 9,438,000 | 9,566,000 | 9,620,000 | 9,971,000 |
| Allowance for loan losses | 126,000 | 126,000 | 126,000 | 126,000 |
| Securities available for sale | 4,113,000 | 4,600,000 | 4,494,000 | 5,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,945,000 | 15,637,000 | 16,169,000 | 16,481,000 |
| Interest-bearing deposits | 12,318,000 | 12,706,000 | 13,664,000 | 13,620,000 |
| Noninterest-bearing deposits | 2,627,000 | 2,931,000 | 2,505,000 | 2,861,000 |
| Equity capital | 1,530,000 | 1,545,000 | 1,566,000 | 1,550,000 |
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 | 223,000 | 445,000 | 667,000 | 883,000 |
| Interest expense | 46,000 | 91,000 | 135,000 | 177,000 |
| Net interest income | 177,000 | 354,000 | 532,000 | 706,000 |
| Noninterest income | 29,000 | 64,000 | 106,000 | 142,000 |
| Noninterest expense | 188,000 | 378,000 | 575,000 | 786,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 18,000 | 40,000 | 63,000 | 62,000 |
| Income tax | 8,000 | 8,000 | 8,000 | 9,000 |
| Net income | 10,000 | 32,000 | 55,000 | 53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,484,000 | 1,504,000 | 1,529,000 | 1,526,000 |
| Total capital | 1,604,000 | 1,627,000 | 1,655,000 | 1,652,000 |
| Risk-weighted assets | 9,581,000 | 9,824,000 | 10,098,000 | 10,454,000 |