Call reports 2009
CASTROVILLE STATE BANK — 2009
What CASTROVILLE 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 | 91,997,000 | 97,800,000 | 99,946,000 | 97,486,000 |
| Total loans | 42,193,000 | 43,526,000 | 42,903,000 | 41,945,000 |
| Allowance for loan losses | 458,000 | 485,000 | 495,000 | 544,000 |
| Securities available for sale | 43,439,000 | 41,806,000 | 42,990,000 | 40,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,041,000 | 81,994,000 | 83,311,000 | 82,806,000 |
| Interest-bearing deposits | 64,580,000 | 71,033,000 | 71,481,000 | 72,769,000 |
| Noninterest-bearing deposits | 11,461,000 | 10,961,000 | 11,830,000 | 10,037,000 |
| Equity capital | 9,419,000 | 9,378,000 | 9,957,000 | 9,574,000 |
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 | 1,209,000 | 2,404,000 | 3,610,000 | 4,785,000 |
| Interest expense | 434,000 | 847,000 | 1,234,000 | 1,603,000 |
| Net interest income | 775,000 | 1,557,000 | 2,376,000 | 3,182,000 |
| Noninterest income | 152,000 | 315,000 | 478,000 | 644,000 |
| Noninterest expense | 590,000 | 1,188,000 | 1,795,000 | 2,374,000 |
| Provision for loan losses | 30,000 | 60,000 | 110,000 | 170,000 |
| Pretax income | 307,000 | 624,000 | 949,000 | 1,282,000 |
| Income tax | 66,000 | 134,000 | 208,000 | 275,000 |
| Net income | 241,000 | 490,000 | 741,000 | 1,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,686,000 | 8,875,000 | 9,067,000 | 8,957,000 |
| Total capital | 9,144,000 | 9,360,000 | 9,562,000 | 9,501,000 |
| Risk-weighted assets | 53,268,000 | 51,612,000 | 51,835,000 | 49,969,000 |