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 | 17,534,000 | 18,941,000 | 19,395,000 | 19,905,000 |
| Total loans | 9,389,000 | 9,704,000 | 9,323,000 | 8,851,000 |
| Allowance for loan losses | 195,000 | 200,000 | 217,000 | 222,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,013,000 | 4,096,000 | 3,977,000 | 4,586,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,492,000 | 16,830,000 | 17,264,000 | 17,830,000 |
| Interest-bearing deposits | 12,621,000 | 14,034,000 | 13,976,000 | 14,293,000 |
| Noninterest-bearing deposits | 2,871,000 | 2,796,000 | 3,288,000 | 3,537,000 |
| Equity capital | 1,996,000 | 2,063,000 | 2,073,000 | 2,041,000 |
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 | 240,000 | 485,000 | 733,000 | 968,000 |
| Interest expense | 67,000 | 128,000 | 187,000 | 246,000 |
| Net interest income | 173,000 | 357,000 | 546,000 | 722,000 |
| Noninterest income | 28,000 | 64,000 | 106,000 | 142,000 |
| Noninterest expense | 151,000 | 266,000 | 392,000 | 556,000 |
| Provision for loan losses | 22,000 | 46,000 | 81,000 | 81,000 |
| Pretax income | 28,000 | 109,000 | 179,000 | 227,000 |
| Income tax | 15,000 | 29,000 | 49,000 | 68,000 |
| Net income | 13,000 | 80,000 | 130,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,996,000 | 2,063,000 | 2,073,000 | 2,041,000 |
| Total capital | 2,102,000 | 2,192,000 | 2,201,000 | 2,166,000 |
| Risk-weighted assets | 9,685,000 | 10,282,000 | 10,124,000 | 9,919,000 |