Call reports 2009
CUSB BANK — 2009
What CUSB 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 | 314,766,000 | 313,731,000 | 313,995,000 | 323,391,000 |
| Total loans | 235,745,000 | 234,139,000 | 236,592,000 | 244,923,000 |
| Allowance for loan losses | 3,183,000 | 3,150,000 | 3,086,000 | 3,137,000 |
| Securities available for sale | 55,301,000 | 57,519,000 | 50,306,000 | 51,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,824,000 | 249,743,000 | 248,075,000 | 255,411,000 |
| Interest-bearing deposits | 233,913,000 | 234,655,000 | 231,866,000 | 237,433,000 |
| Noninterest-bearing deposits | 16,911,000 | 15,088,000 | 16,209,000 | 17,978,000 |
| Equity capital | 34,054,000 | 34,529,000 | 36,403,000 | 35,872,000 |
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 | 4,116,000 | 8,207,000 | 12,246,000 | 16,365,000 |
| Interest expense | 1,558,000 | 3,026,000 | 4,410,000 | 5,697,000 |
| Net interest income | 2,558,000 | 5,181,000 | 7,836,000 | 10,668,000 |
| Noninterest income | 575,000 | 1,195,000 | 1,840,000 | 2,247,000 |
| Noninterest expense | 2,123,000 | 4,182,000 | 6,233,000 | 7,876,000 |
| Provision for loan losses | 141,000 | 234,000 | 301,000 | 745,000 |
| Pretax income | 869,000 | 1,960,000 | 3,142,000 | 4,294,000 |
| Income tax | 49,000 | 100,000 | 155,000 | 175,000 |
| Net income | 820,000 | 1,860,000 | 2,987,000 | 4,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,198,000 | 30,262,000 | 31,157,000 | 30,866,000 |
| Total capital | 32,290,000 | 33,412,000 | 34,243,000 | 34,003,000 |
| Risk-weighted assets | 247,283,000 | 254,900,000 | 259,531,000 | 269,166,000 |