Call reports 2012
CENTRAL STATE BANK — 2012
What CENTRAL STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 172,886,000 | 172,857,000 | 185,350,000 | 178,845,000 |
| Total loans | 85,862,000 | 91,399,000 | 93,332,000 | 93,095,000 |
| Allowance for loan losses | 2,494,000 | 1,963,000 | 1,997,000 | 1,891,000 |
| Securities available for sale | 64,388,000 | 65,963,000 | 68,868,000 | 74,566,000 |
| Securities held to maturity | 7,778,000 | 7,444,000 | 6,458,000 | 6,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,402,000 | 132,241,000 | 145,288,000 | 138,224,000 |
| Interest-bearing deposits | 122,632,000 | 123,304,000 | 136,550,000 | 126,387,000 |
| Noninterest-bearing deposits | 9,770,000 | 8,937,000 | 8,738,000 | 11,837,000 |
| Equity capital | 22,050,000 | 22,963,000 | 23,778,000 | 23,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,801,000 | 3,645,000 | 5,414,000 | 7,375,000 |
| Interest expense | 559,000 | 1,117,000 | 1,675,000 | 2,221,000 |
| Net interest income | 1,242,000 | 2,528,000 | 3,739,000 | 5,154,000 |
| Noninterest income | 54,000 | 64,000 | 78,000 | 115,000 |
| Noninterest expense | 677,000 | 1,331,000 | 2,006,000 | 2,670,000 |
| Provision for loan losses | 318,000 | 192,000 | 192,000 | 92,000 |
| Pretax income | 426,000 | 1,449,000 | 2,143,000 | 3,043,000 |
| Income tax | 25,000 | 72,000 | 107,000 | 152,000 |
| Net income | 401,000 | 1,377,000 | 2,036,000 | 2,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,384,000 | 22,160,000 | 22,569,000 | 22,302,000 |
| Total capital | 23,025,000 | 23,842,000 | 24,266,000 | 24,017,000 |
| Risk-weighted assets | 130,401,000 | 134,255,000 | 135,484,000 | 137,054,000 |