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 | 91,193,000 | 90,609,000 | 86,844,000 | 88,422,000 |
| Total loans | 60,634,000 | 60,586,000 | 60,398,000 | 66,848,000 |
| Allowance for loan losses | 286,000 | 488,000 | 488,000 | 832,000 |
| Securities available for sale | 9,394,000 | 9,764,000 | 10,127,000 | 10,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,235,000 | 77,174,000 | 73,253,000 | 75,684,000 |
| Interest-bearing deposits | 65,042,000 | 63,950,000 | 61,459,000 | 60,209,000 |
| Noninterest-bearing deposits | 13,193,000 | 13,224,000 | 11,794,000 | 15,475,000 |
| Equity capital | 7,766,000 | 7,786,000 | 8,001,000 | 8,077,000 |
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 | 1,054,000 | 2,086,000 | 3,126,000 | 4,171,000 |
| Interest expense | 319,000 | 617,000 | 891,000 | 1,140,000 |
| Net interest income | 735,000 | 1,469,000 | 2,235,000 | 3,031,000 |
| Noninterest income | 227,000 | 535,000 | 851,000 | 1,172,000 |
| Noninterest expense | 718,000 | 1,452,000 | 2,168,000 | 2,842,000 |
| Provision for loan losses | 0 | 202,000 | 202,000 | 546,000 |
| Pretax income | 244,000 | 350,000 | 716,000 | 815,000 |
| Income tax | 78,000 | 103,000 | 226,000 | 242,000 |
| Net income | 166,000 | 247,000 | 490,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,578,000 | 7,626,000 | 7,824,000 | 7,915,000 |
| Total capital | 7,864,000 | 8,114,000 | 8,312,000 | 8,747,000 |
| Risk-weighted assets | 62,492,000 | 62,517,000 | 60,477,000 | 66,696,000 |