Call reports 2009
CITY STATE BANK — 2009
What CITY 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 | 196,184,000 | 190,954,000 | 195,327,000 | 203,906,000 |
| Total loans | 138,834,000 | 136,908,000 | 140,851,000 | 143,801,000 |
| Allowance for loan losses | 1,823,000 | 1,843,000 | 1,943,000 | 1,755,000 |
| Securities available for sale | 24,998,000 | 41,215,000 | 38,223,000 | 42,929,000 |
| Securities held to maturity | 820,000 | 395,000 | 395,000 | 260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,417,000 | 163,497,000 | 166,782,000 | 174,913,000 |
| Interest-bearing deposits | 141,940,000 | 136,430,000 | 139,248,000 | 144,548,000 |
| Noninterest-bearing deposits | 24,477,000 | 27,067,000 | 27,534,000 | 30,366,000 |
| Equity capital | 16,839,000 | 17,040,000 | 18,099,000 | 18,089,000 |
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 | 2,527,000 | 5,029,000 | 7,582,000 | 10,119,000 |
| Interest expense | 920,000 | 1,752,000 | 2,554,000 | 3,303,000 |
| Net interest income | 1,607,000 | 3,277,000 | 5,028,000 | 6,816,000 |
| Noninterest income | 522,000 | 1,110,000 | 1,470,000 | 1,933,000 |
| Noninterest expense | 1,539,000 | 3,146,000 | 4,690,000 | 6,244,000 |
| Provision for loan losses | 100,000 | 150,000 | 250,000 | 450,000 |
| Pretax income | 490,000 | 1,092,000 | 1,591,000 | 2,118,000 |
| Income tax | 24,000 | 55,000 | 81,000 | 107,000 |
| Net income | 466,000 | 1,037,000 | 1,510,000 | 2,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,624,000 | 16,103,000 | 16,331,000 | 16,532,000 |
| Total capital | 17,447,000 | 17,943,000 | 18,131,000 | 18,287,000 |
| Risk-weighted assets | 148,133,000 | 147,254,000 | 143,916,000 | 145,032,000 |