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 | 184,074,000 | 187,371,000 | 183,628,000 | 184,370,000 |
| Total loans | 106,620,000 | 104,643,000 | 104,096,000 | 103,518,000 |
| Allowance for loan losses | 1,077,000 | 1,218,000 | 1,291,000 | 1,318,000 |
| Securities available for sale | 26,909,000 | 34,223,000 | 40,611,000 | 38,990,000 |
| Securities held to maturity | 19,823,000 | 17,152,000 | 15,804,000 | 13,908,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,933,000 | 170,223,000 | 165,375,000 | 166,458,000 |
| Interest-bearing deposits | 155,044,000 | 116,337,000 | 152,103,000 | 150,954,000 |
| Noninterest-bearing deposits | 11,889,000 | 53,886,000 | 13,272,000 | 15,504,000 |
| Equity capital | 16,374,000 | 16,473,000 | 17,380,000 | 17,096,000 |
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 | 2,294,000 | 4,547,000 | 6,828,000 | 9,083,000 |
| Interest expense | 584,000 | 1,097,000 | 1,570,000 | 1,998,000 |
| Net interest income | 1,710,000 | 3,450,000 | 5,258,000 | 7,085,000 |
| Noninterest income | 348,000 | 743,000 | 1,115,000 | 1,360,000 |
| Noninterest expense | 1,790,000 | 3,573,000 | 5,282,000 | 6,990,000 |
| Provision for loan losses | 100,000 | 250,000 | 400,000 | 550,000 |
| Pretax income | 167,000 | 368,000 | 679,000 | 897,000 |
| Income tax | 44,000 | 44,000 | 134,000 | 118,000 |
| Net income | 123,000 | 324,000 | 545,000 | 779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,237,000 | 11,590,000 | 11,943,000 | 12,270,000 |
| Total capital | 12,314,000 | 12,808,000 | 13,234,000 | 13,588,000 |
| Risk-weighted assets | 109,748,000 | 111,545,000 | 111,125,000 | 112,352,000 |