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 | 631,640,000 | 620,344,000 | 606,610,000 | 544,366,000 |
| Total loans | 436,506,000 | 412,113,000 | 393,677,000 | 379,880,000 |
| Allowance for loan losses | 8,632,000 | 8,281,000 | 7,658,000 | 7,158,000 |
| Securities available for sale | 112,885,000 | 99,956,000 | 99,101,000 | 95,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,534,000 | 437,717,000 | 428,492,000 | 407,630,000 |
| Interest-bearing deposits | 373,088,000 | 364,713,000 | 359,492,000 | 326,784,000 |
| Noninterest-bearing deposits | 69,446,000 | 73,004,000 | 69,000,000 | 80,846,000 |
| Equity capital | 53,616,000 | 54,561,000 | 55,403,000 | 52,991,000 |
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 | 7,472,000 | 14,402,000 | 21,331,000 | 27,866,000 |
| Interest expense | 3,417,000 | 6,625,000 | 9,570,000 | 12,020,000 |
| Net interest income | 4,055,000 | 7,777,000 | 11,761,000 | 15,846,000 |
| Noninterest income | 1,817,000 | 2,886,000 | 4,678,000 | 5,810,000 |
| Noninterest expense | 5,025,000 | 10,442,000 | 15,412,000 | 20,568,000 |
| Provision for loan losses | 1,300,000 | 8,000,000 | 9,600,000 | 12,500,000 |
| Pretax income | -453,000 | -7,241,000 | -7,791,000 | -10,716,000 |
| Income tax | -237,000 | -2,833,000 | -3,106,000 | -4,250,000 |
| Net income | -216,000 | -4,408,000 | -4,685,000 | -6,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,251,000 | 49,955,000 | 49,686,000 | 47,688,000 |
| Total capital | 52,938,000 | 55,321,000 | 54,828,000 | 52,634,000 |
| Risk-weighted assets | 451,847,000 | 426,202,000 | 408,660,000 | 393,283,000 |