Call reports 2009
COMMUNITY STATE BANK OF ORBISONIA — 2009
What COMMUNITY STATE BANK OF ORBISONIA 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 | 230,955,000 | 235,855,000 | 243,688,000 | 249,653,000 |
| Total loans | 200,573,000 | 205,783,000 | 210,972,000 | 220,121,000 |
| Allowance for loan losses | 1,801,000 | 1,852,000 | 1,875,000 | 1,822,000 |
| Securities available for sale | 6,753,000 | 8,427,000 | 10,833,000 | 9,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,166,000 | 213,764,000 | 221,430,000 | 227,967,000 |
| Interest-bearing deposits | 198,365,000 | 204,325,000 | 211,605,000 | 218,667,000 |
| Noninterest-bearing deposits | 10,801,000 | 9,439,000 | 9,825,000 | 9,300,000 |
| Equity capital | 20,569,000 | 20,710,000 | 21,068,000 | 21,197,000 |
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 | 3,535,000 | 7,156,000 | 10,862,000 | 14,679,000 |
| Interest expense | 1,428,000 | 2,890,000 | 4,333,000 | 5,764,000 |
| Net interest income | 2,107,000 | 4,266,000 | 6,529,000 | 8,915,000 |
| Noninterest income | 245,000 | 499,000 | 744,000 | 1,026,000 |
| Noninterest expense | 1,662,000 | 3,252,000 | 5,025,000 | 7,084,000 |
| Provision for loan losses | 113,000 | 240,000 | 368,000 | 620,000 |
| Pretax income | 577,000 | 1,273,000 | 1,880,000 | 2,237,000 |
| Income tax | 166,000 | 376,000 | 566,000 | 667,000 |
| Net income | 411,000 | 897,000 | 1,314,000 | 1,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,498,000 | 20,706,000 | 20,984,000 | 21,101,000 |
| Total capital | 22,299,000 | 22,557,000 | 22,859,000 | 22,923,000 |
| Risk-weighted assets | 151,416,000 | 155,309,000 | 160,353,000 | 166,085,000 |