Call reports 2009
CLARKE COUNTY STATE BANK — 2009
What CLARKE COUNTY 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 | 150,484,000 | 143,738,000 | 142,896,000 | 136,431,000 |
| Total loans | 121,037,000 | 119,750,000 | 114,872,000 | 107,444,000 |
| Allowance for loan losses | 1,643,000 | 2,318,000 | 1,806,000 | 2,088,000 |
| Securities available for sale | 11,237,000 | 11,417,000 | 11,636,000 | 14,395,000 |
| Securities held to maturity | 1,125,000 | 700,000 | 600,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,578,000 | 106,952,000 | 106,631,000 | 100,742,000 |
| Interest-bearing deposits | 104,450,000 | 101,435,000 | 101,138,000 | 94,932,000 |
| Noninterest-bearing deposits | 6,128,000 | 5,517,000 | 5,493,000 | 5,810,000 |
| Equity capital | 12,217,000 | 12,993,000 | 13,052,000 | 13,425,000 |
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 | 2,015,000 | 3,927,000 | 5,709,000 | 7,398,000 |
| Interest expense | 880,000 | 1,738,000 | 2,493,000 | 3,179,000 |
| Net interest income | 1,135,000 | 2,189,000 | 3,216,000 | 4,219,000 |
| Noninterest income | 130,000 | 251,000 | 351,000 | 495,000 |
| Noninterest expense | 745,000 | 1,459,000 | 2,205,000 | 3,159,000 |
| Provision for loan losses | 560,000 | 3,810,000 | 4,145,000 | 5,350,000 |
| Pretax income | -40,000 | -2,829,000 | -2,783,000 | -3,795,000 |
| Income tax | -79,000 | -1,128,000 | -1,145,000 | -1,554,000 |
| Net income | 39,000 | -1,701,000 | -1,638,000 | -2,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,085,000 | 12,845,000 | 12,846,000 | 13,242,000 |
| Total capital | 13,568,000 | 14,312,000 | 14,285,000 | 14,622,000 |
| Risk-weighted assets | 120,417,000 | 117,764,000 | 114,116,000 | 109,709,000 |