Call reports 2009
CITY STATE BANK OF PALACIOS, THE — 2009
What CITY STATE BANK OF PALACIOS, THE 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 | 44,250,000 | 43,322,000 | 44,921,000 | 46,686,000 |
| Total loans | 23,905,000 | 23,585,000 | 23,772,000 | 21,366,000 |
| Allowance for loan losses | 327,000 | 281,000 | 337,000 | 356,000 |
| Securities available for sale | 13,982,000 | 13,734,000 | 12,198,000 | 16,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,709,000 | 37,686,000 | 38,933,000 | 40,880,000 |
| Interest-bearing deposits | 27,529,000 | 26,881,000 | 26,420,000 | 24,935,000 |
| Noninterest-bearing deposits | 11,180,000 | 10,805,000 | 12,513,000 | 15,945,000 |
| Equity capital | 4,909,000 | 4,900,000 | 5,144,000 | 5,089,000 |
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 | 566,000 | 1,107,000 | 1,648,000 | 2,182,000 |
| Interest expense | 128,000 | 236,000 | 332,000 | 432,000 |
| Net interest income | 438,000 | 871,000 | 1,316,000 | 1,750,000 |
| Noninterest income | 55,000 | 112,000 | 185,000 | 245,000 |
| Noninterest expense | 440,000 | 849,000 | 1,252,000 | 1,651,000 |
| Provision for loan losses | 35,000 | 110,000 | 160,000 | 175,000 |
| Pretax income | 62,000 | 68,000 | 181,000 | 261,000 |
| Income tax | 7,000 | -12,000 | 7,000 | 23,000 |
| Net income | 55,000 | 80,000 | 174,000 | 238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,758,000 | 4,775,000 | 4,869,000 | 4,860,000 |
| Total capital | 5,053,000 | 5,056,000 | 5,142,000 | 5,101,000 |
| Risk-weighted assets | 23,598,000 | 22,526,000 | 21,760,000 | 19,198,000 |