Call reports 2009
COPPER STAR BANK — 2009
What COPPER STAR 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 | 268,399,000 | 262,756,000 | 247,529,000 | 245,593,000 |
| Total loans | 209,050,000 | 198,802,000 | 190,152,000 | 179,907,000 |
| Allowance for loan losses | 6,993,000 | 5,488,000 | 6,323,000 | 5,087,000 |
| Securities available for sale | 21,832,000 | 24,691,000 | 20,417,000 | 32,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,892,000 | 219,118,000 | 208,168,000 | 208,232,000 |
| Interest-bearing deposits | 205,110,000 | 198,158,000 | 194,183,000 | 195,764,000 |
| Noninterest-bearing deposits | 16,782,000 | 20,961,000 | 13,985,000 | 12,468,000 |
| Equity capital | 21,072,000 | 20,998,000 | 16,514,000 | 14,775,000 |
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 | 3,397,000 | 6,598,000 | 9,464,000 | 12,053,000 |
| Interest expense | 1,885,000 | 3,548,000 | 5,148,000 | 6,644,000 |
| Net interest income | 1,512,000 | 3,050,000 | 4,316,000 | 5,409,000 |
| Noninterest income | 40,000 | 102,000 | 156,000 | 199,000 |
| Noninterest expense | 1,794,000 | 3,639,000 | 5,695,000 | 7,534,000 |
| Provision for loan losses | 19,000 | 19,000 | 3,711,000 | 4,753,000 |
| Pretax income | 16,000 | -198,000 | -4,496,000 | -5,997,000 |
| Income tax | 9,000 | -14,000 | 703,000 | 306,000 |
| Net income | 7,000 | -184,000 | -5,199,000 | -6,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,254,000 | 20,312,000 | 16,307,000 | 15,203,000 |
| Total capital | 23,010,000 | 22,955,000 | 18,808,000 | 17,637,000 |
| Risk-weighted assets | 216,219,000 | 208,285,000 | 196,153,000 | 191,956,000 |