Call reports 2009
COMMUNITY STATE BANK — 2009
What COMMUNITY 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 | 35,773,000 | 33,973,000 | 34,129,000 | 33,178,000 |
| Total loans | 26,690,000 | 27,398,000 | 27,877,000 | 28,924,000 |
| Allowance for loan losses | 333,000 | 332,000 | 355,000 | 350,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 637,000 | 501,000 | 402,000 | 301,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,796,000 | 30,936,000 | 31,013,000 | 30,134,000 |
| Interest-bearing deposits | 21,801,000 | 20,999,000 | 21,777,000 | 20,434,000 |
| Noninterest-bearing deposits | 10,995,000 | 9,937,000 | 9,236,000 | 9,700,000 |
| Equity capital | 2,916,000 | 2,954,000 | 3,011,000 | 3,030,000 |
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 | 587,000 | 1,168,000 | 1,749,000 | 2,338,000 |
| Interest expense | 104,000 | 196,000 | 274,000 | 345,000 |
| Net interest income | 483,000 | 972,000 | 1,475,000 | 1,993,000 |
| Noninterest income | 166,000 | 353,000 | 528,000 | 693,000 |
| Noninterest expense | 445,000 | 918,000 | 1,419,000 | 1,923,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 125,000 |
| Pretax income | 174,000 | 347,000 | 494,000 | 638,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 174,000 | 347,000 | 494,000 | 638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,825,000 | 2,863,000 | 2,920,000 | 2,939,000 |
| Total capital | 3,158,000 | 3,195,000 | 3,275,000 | 3,289,000 |
| Risk-weighted assets | 28,680,000 | 28,810,000 | 29,231,000 | 29,679,000 |