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 | 45,648,000 | 49,353,000 | 54,408,000 | 57,800,000 |
| Total loans | 27,322,000 | 33,747,000 | 34,780,000 | 40,005,000 |
| Allowance for loan losses | 274,000 | 337,000 | 375,000 | 455,000 |
| Securities available for sale | 7,409,000 | 8,195,000 | 8,634,000 | 7,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,382,000 | 42,088,000 | 46,956,000 | 50,351,000 |
| Interest-bearing deposits | 33,298,000 | 37,110,000 | 40,678,000 | 44,313,000 |
| Noninterest-bearing deposits | 5,083,000 | 4,978,000 | 6,278,000 | 6,038,000 |
| Equity capital | 7,127,000 | 7,090,000 | 7,043,000 | 7,075,000 |
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 | 477,000 | 1,092,000 | 1,730,000 | 2,464,000 |
| Interest expense | 214,000 | 471,000 | 742,000 | 1,006,000 |
| Net interest income | 263,000 | 621,000 | 988,000 | 1,458,000 |
| Noninterest income | 17,000 | 38,000 | 62,000 | 90,000 |
| Noninterest expense | 358,000 | 724,000 | 1,109,000 | 1,477,000 |
| Provision for loan losses | 71,000 | 137,000 | 178,000 | 258,000 |
| Pretax income | -149,000 | -202,000 | -237,000 | -187,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -149,000 | -202,000 | -237,000 | -187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,072,000 | 7,018,000 | 6,983,000 | 7,034,000 |
| Total capital | 7,346,000 | 7,355,000 | 7,358,000 | 7,489,000 |
| Risk-weighted assets | 30,413,000 | 35,791,000 | 35,350,000 | 39,753,000 |