Call reports 2009
COLCHESTER STATE BANK — 2009
What COLCHESTER 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 | 47,311,000 | 50,909,000 | 46,814,000 | 49,059,000 |
| Total loans | 21,869,000 | 22,733,000 | 23,172,000 | 23,528,000 |
| Allowance for loan losses | 453,000 | 441,000 | 456,000 | 485,000 |
| Securities available for sale | 15,538,000 | 17,323,000 | 17,773,000 | 21,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,245,000 | 45,591,000 | 41,082,000 | 43,406,000 |
| Interest-bearing deposits | 34,897,000 | 35,020,000 | 32,987,000 | 37,718,000 |
| Noninterest-bearing deposits | 7,348,000 | 10,571,000 | 8,095,000 | 5,688,000 |
| Equity capital | 4,704,000 | 4,872,000 | 5,208,000 | 5,246,000 |
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 | 576,000 | 1,183,000 | 1,791,000 | 2,381,000 |
| Interest expense | 214,000 | 415,000 | 608,000 | 791,000 |
| Net interest income | 362,000 | 768,000 | 1,183,000 | 1,590,000 |
| Noninterest income | 64,000 | 122,000 | 204,000 | 281,000 |
| Noninterest expense | 194,000 | 434,000 | 746,000 | 1,092,000 |
| Provision for loan losses | 0 | 7,000 | 33,000 | 56,000 |
| Pretax income | 239,000 | 456,000 | 615,000 | 730,000 |
| Income tax | 57,000 | 114,000 | 156,000 | 204,000 |
| Net income | 182,000 | 342,000 | 459,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,532,000 | 4,691,000 | 4,808,000 | 4,876,000 |
| Total capital | 4,805,000 | 4,975,000 | 5,097,000 | 5,170,000 |
| Risk-weighted assets | 23,057,000 | 24,058,000 | 23,404,000 | 24,388,000 |