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 | 84,262,000 | 85,430,000 | 87,867,000 | 89,617,000 |
| Total loans | 59,543,000 | 60,610,000 | 62,674,000 | 63,579,000 |
| Allowance for loan losses | 843,000 | 841,000 | 826,000 | 818,000 |
| Securities available for sale | 12,696,000 | 13,523,000 | 15,657,000 | 18,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,079,000 | 77,154,000 | 79,249,000 | 80,910,000 |
| Interest-bearing deposits | 64,862,000 | 66,020,000 | 69,152,000 | 69,005,000 |
| Noninterest-bearing deposits | 11,217,000 | 11,134,000 | 10,097,000 | 11,905,000 |
| Equity capital | 7,279,000 | 7,396,000 | 7,375,000 | 7,532,000 |
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 | 1,085,000 | 2,200,000 | 3,344,000 | 4,506,000 |
| Interest expense | 309,000 | 618,000 | 918,000 | 1,204,000 |
| Net interest income | 776,000 | 1,582,000 | 2,426,000 | 3,302,000 |
| Noninterest income | 89,000 | 195,000 | 302,000 | 356,000 |
| Noninterest expense | 582,000 | 1,202,000 | 1,825,000 | 2,437,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 105,000 |
| Pretax income | 209,000 | 503,000 | 836,000 | 1,124,000 |
| Income tax | 65,000 | 165,000 | 277,000 | 391,000 |
| Net income | 144,000 | 338,000 | 559,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,515,000 | 6,718,000 | 6,592,000 | 6,777,000 |
| Total capital | 7,217,000 | 7,457,000 | 7,339,000 | 7,546,000 |
| Risk-weighted assets | 58,094,000 | 59,044,000 | 61,471,000 | 63,236,000 |