Call reports 2011
CENTRAL STATE BANK — 2011
What CENTRAL STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 151,511,000 | 152,353,000 | 157,465,000 | 155,381,000 |
| Total loans | 88,795,000 | 89,392,000 | 89,120,000 | 91,456,000 |
| Allowance for loan losses | 1,689,000 | 1,565,000 | 1,876,000 | 1,686,000 |
| Securities available for sale | 22,171,000 | 21,327,000 | 27,364,000 | 27,626,000 |
| Securities held to maturity | 13,531,000 | 12,186,000 | 11,170,000 | 10,672,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,226,000 | 129,576,000 | 133,837,000 | 131,345,000 |
| Interest-bearing deposits | 102,705,000 | 103,428,000 | 108,824,000 | 107,345,000 |
| Noninterest-bearing deposits | 26,521,000 | 26,148,000 | 25,013,000 | 24,000,000 |
| Equity capital | 20,475,000 | 20,808,000 | 21,045,000 | 21,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,767,000 | 3,583,000 | 5,408,000 | 7,218,000 |
| Interest expense | 262,000 | 506,000 | 748,000 | 987,000 |
| Net interest income | 1,505,000 | 3,077,000 | 4,660,000 | 6,231,000 |
| Noninterest income | 310,000 | 652,000 | 1,012,000 | 1,348,000 |
| Noninterest expense | 1,324,000 | 2,656,000 | 4,040,000 | 5,420,000 |
| Provision for loan losses | 225,000 | 467,000 | 800,000 | 1,060,000 |
| Pretax income | 337,000 | 671,000 | 973,000 | 1,295,000 |
| Income tax | 19,000 | 57,000 | 84,000 | 60,000 |
| Net income | 318,000 | 614,000 | 889,000 | 1,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,256,000 | 20,339,000 | 20,494,000 | 20,786,000 |
| Total capital | 21,577,000 | 21,672,000 | 21,832,000 | 22,136,000 |
| Risk-weighted assets | 105,300,000 | 106,270,000 | 106,526,000 | 107,652,000 |