Call reports 2009
COMMUNITY STATE BANK, THE — 2009
What COMMUNITY STATE BANK, THE 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 | 163,763,000 | 171,040,000 | 177,013,000 | 173,380,000 |
| Total loans | 114,430,000 | 116,660,000 | 119,644,000 | 120,644,000 |
| Allowance for loan losses | 1,002,000 | 1,173,000 | 861,000 | 1,045,000 |
| Securities available for sale | 30,612,000 | 34,111,000 | 44,153,000 | 36,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,092,000 | 145,324,000 | 150,231,000 | 146,936,000 |
| Interest-bearing deposits | 110,413,000 | 117,329,000 | 122,668,000 | 116,273,000 |
| Noninterest-bearing deposits | 27,679,000 | 27,995,000 | 27,563,000 | 30,663,000 |
| Equity capital | 14,183,000 | 14,204,000 | 14,946,000 | 14,838,000 |
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 | 2,081,000 | 4,337,000 | 6,639,000 | 9,035,000 |
| Interest expense | 616,000 | 1,311,000 | 2,032,000 | 2,631,000 |
| Net interest income | 1,465,000 | 3,026,000 | 4,607,000 | 6,404,000 |
| Noninterest income | 338,000 | 796,000 | 1,227,000 | 1,690,000 |
| Noninterest expense | 1,491,000 | 3,043,000 | 4,703,000 | 6,342,000 |
| Provision for loan losses | 153,000 | 351,000 | 356,000 | 566,000 |
| Pretax income | 171,000 | 485,000 | 892,000 | 1,568,000 |
| Income tax | 95,000 | 152,000 | 229,000 | 437,000 |
| Net income | 76,000 | 333,000 | 663,000 | 1,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,628,000 | 13,676,000 | 14,006,000 | 14,184,000 |
| Total capital | 14,630,000 | 14,849,000 | 14,867,000 | 15,229,000 |
| Risk-weighted assets | 110,303,000 | 111,105,000 | 114,980,000 | 117,946,000 |