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 | 42,187,000 | 45,845,000 | 50,369,000 | 47,438,000 |
| Total loans | 31,929,000 | 31,622,000 | 32,787,000 | 32,884,000 |
| Allowance for loan losses | 207,000 | 283,000 | 308,000 | 285,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 910,000 | 910,000 | 880,000 | 880,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,747,000 | 38,471,000 | 42,893,000 | 40,099,000 |
| Interest-bearing deposits | 30,153,000 | 33,426,000 | 37,831,000 | 33,648,000 |
| Noninterest-bearing deposits | 4,594,000 | 5,045,000 | 5,062,000 | 6,451,000 |
| Equity capital | 6,897,000 | 6,966,000 | 7,085,000 | 6,775,000 |
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 | 626,000 | 1,195,000 | 1,760,000 | 2,342,000 |
| Interest expense | 214,000 | 413,000 | 587,000 | 735,000 |
| Net interest income | 412,000 | 782,000 | 1,173,000 | 1,607,000 |
| Noninterest income | 44,000 | 48,000 | 85,000 | 109,000 |
| Noninterest expense | 290,000 | 389,000 | 734,000 | 1,013,000 |
| Provision for loan losses | 23,000 | 112,000 | 136,000 | 362,000 |
| Pretax income | 143,000 | 329,000 | 388,000 | 341,000 |
| Income tax | 66,000 | 183,000 | 122,000 | 147,000 |
| Net income | 77,000 | 146,000 | 266,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,109,000 | 7,178,000 | 7,297,000 | 7,037,000 |
| Total capital | 7,316,000 | 7,461,000 | 7,605,000 | 7,322,000 |
| Risk-weighted assets | 28,099,000 | 22,335,000 | 24,397,000 | 32,498,000 |