Call reports 2009
COOPER STATE BANK — 2009
What COOPER 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 | 68,874,000 | 74,318,000 | 79,359,000 | 83,044,000 |
| Total loans | 47,740,000 | 50,885,000 | 56,998,000 | 62,038,000 |
| Allowance for loan losses | 572,000 | 613,000 | 807,000 | 893,000 |
| Securities available for sale | 2,553,000 | 2,526,000 | 2,456,000 | 2,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,592,000 | 62,226,000 | 66,540,000 | 68,837,000 |
| Interest-bearing deposits | 46,798,000 | 56,745,000 | 59,791,000 | 59,970,000 |
| Noninterest-bearing deposits | 5,794,000 | 5,481,000 | 6,749,000 | 8,867,000 |
| Equity capital | 7,838,000 | 6,615,000 | 7,294,000 | 6,584,000 |
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 | 776,000 | 1,601,000 | 2,489,000 | 3,473,000 |
| Interest expense | 313,000 | 648,000 | 937,000 | 1,199,000 |
| Net interest income | 463,000 | 953,000 | 1,552,000 | 2,274,000 |
| Noninterest income | 296,000 | 708,000 | 1,238,000 | 1,768,000 |
| Noninterest expense | 1,707,000 | 3,812,000 | 6,041,000 | 8,001,000 |
| Provision for loan losses | 29,000 | 70,000 | 264,000 | 475,000 |
| Pretax income | -977,000 | -2,221,000 | -3,515,000 | -4,434,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -977,000 | -2,221,000 | -3,515,000 | -4,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,777,000 | 6,533,000 | 7,202,000 | 6,360,000 |
| Total capital | 8,298,000 | 7,110,000 | 7,805,000 | 6,997,000 |
| Risk-weighted assets | 41,159,000 | 46,094,000 | 48,056,000 | 50,727,000 |