Call reports 2009
CHESTATEE STATE BANK — 2009
What CHESTATEE 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 | 277,525,000 | 290,999,000 | 290,948,000 | 270,266,000 |
| Total loans | 211,885,000 | 208,792,000 | 204,121,000 | 192,350,000 |
| Allowance for loan losses | 10,533,000 | 9,845,000 | 9,097,000 | 5,987,000 |
| Securities available for sale | 15,816,000 | 16,910,000 | 15,978,000 | 25,063,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,196,000 | 266,685,000 | 268,654,000 | 253,981,000 |
| Interest-bearing deposits | 234,494,000 | 248,349,000 | 247,017,000 | 237,980,000 |
| Noninterest-bearing deposits | 17,702,000 | 18,337,000 | 21,638,000 | 16,000,000 |
| Equity capital | 18,995,000 | 17,888,000 | 15,958,000 | 13,127,000 |
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 | 2,900,000 | 5,707,000 | 8,480,000 | 11,071,000 |
| Interest expense | 2,114,000 | 4,245,000 | 6,383,000 | 8,086,000 |
| Net interest income | 786,000 | 1,462,000 | 2,097,000 | 2,985,000 |
| Noninterest income | 154,000 | 307,000 | 474,000 | -1,207,000 |
| Noninterest expense | 1,939,000 | 3,796,000 | 5,948,000 | 8,614,000 |
| Provision for loan losses | 100,000 | 100,000 | 919,000 | 1,960,000 |
| Pretax income | -983,000 | -2,011,000 | -3,941,000 | -8,421,000 |
| Income tax | 0 | 0 | 0 | -1,853,000 |
| Net income | -983,000 | -2,011,000 | -3,941,000 | -6,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,847,000 | 17,819,000 | 15,889,000 | 13,262,000 |
| Total capital | 21,962,000 | 20,908,000 | 18,929,000 | 16,127,000 |
| Risk-weighted assets | 241,808,000 | 240,333,000 | 237,179,000 | 225,685,000 |