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 | 17,550,000 | 16,581,000 | 15,771,000 | 15,518,000 |
| Total loans | 7,449,000 | 7,949,000 | 8,907,000 | 9,778,000 |
| Allowance for loan losses | 153,000 | 153,000 | 153,000 | 147,000 |
| Securities available for sale | 6,718,000 | 6,936,000 | 5,300,000 | 3,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,624,000 | 14,664,000 | 13,859,000 | 13,617,000 |
| Interest-bearing deposits | 13,046,000 | 13,044,000 | 12,236,000 | 11,522,000 |
| Noninterest-bearing deposits | 2,578,000 | 1,620,000 | 1,623,000 | 2,095,000 |
| Equity capital | 1,795,000 | 1,781,000 | 1,799,000 | 1,822,000 |
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 | 243,000 | 415,000 | 588,000 | 771,000 |
| Interest expense | 74,000 | 154,000 | 225,000 | 283,000 |
| Net interest income | 169,000 | 261,000 | 363,000 | 488,000 |
| Noninterest income | 6,000 | 11,000 | 18,000 | 28,000 |
| Noninterest expense | 112,000 | 225,000 | 351,000 | 440,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 47,000 | 30,000 | 76,000 |
| Income tax | 31,000 | 27,000 | 4,000 | 13,000 |
| Net income | 32,000 | 20,000 | 26,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,785,000 | 1,773,000 | 1,778,000 | 1,814,000 |
| Total capital | 1,938,000 | 1,926,000 | 1,924,000 | 1,951,000 |
| Risk-weighted assets | 12,915,000 | 12,532,000 | 11,682,000 | 10,972,000 |