Call reports 2009
CHETOPA STATE BANK & TRUST CO — 2009
What CHETOPA STATE BANK & TRUST CO 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 | 29,683,000 | 28,533,000 | 27,845,000 | 29,200,000 |
| Total loans | 16,880,000 | 17,069,000 | 16,936,000 | 16,553,000 |
| Allowance for loan losses | 346,000 | 299,000 | 277,000 | 277,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,351,000 | 6,037,000 | 5,953,000 | 5,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,379,000 | 26,185,000 | 25,414,000 | 26,663,000 |
| Interest-bearing deposits | 23,679,000 | 23,086,000 | 22,188,000 | 22,975,000 |
| Noninterest-bearing deposits | 3,700,000 | 3,099,000 | 3,226,000 | 3,688,000 |
| Equity capital | 2,243,000 | 2,297,000 | 2,375,000 | 2,489,000 |
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 | 353,000 | 708,000 | 1,058,000 | 1,399,000 |
| Interest expense | 97,000 | 191,000 | 279,000 | 361,000 |
| Net interest income | 256,000 | 517,000 | 779,000 | 1,038,000 |
| Noninterest income | 32,000 | 70,000 | 110,000 | 156,000 |
| Noninterest expense | 175,000 | 354,000 | 535,000 | 721,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 68,000 | 188,000 | 309,000 | 428,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 16,000 |
| Net income | 64,000 | 180,000 | 297,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,243,000 | 2,297,000 | 2,375,000 | 2,489,000 |
| Total capital | 2,455,000 | 2,509,000 | 2,585,000 | 2,699,000 |
| Risk-weighted assets | 16,815,000 | 16,849,000 | 16,752,000 | 16,754,000 |