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 | 159,095,000 | 163,676,000 | 166,463,000 | 170,197,000 |
| Total loans | 94,123,000 | 99,886,000 | 102,772,000 | 107,341,000 |
| Allowance for loan losses | 1,918,000 | 1,904,000 | 1,988,000 | 1,989,000 |
| Securities available for sale | 30,355,000 | 31,495,000 | 30,684,000 | 28,986,000 |
| Securities held to maturity | 9,517,000 | 7,662,000 | 7,074,000 | 6,489,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,699,000 | 139,725,000 | 141,312,000 | 145,080,000 |
| Interest-bearing deposits | 109,975,000 | 112,369,000 | 114,247,000 | 109,220,000 |
| Noninterest-bearing deposits | 25,725,000 | 27,356,000 | 27,065,000 | 35,860,000 |
| Equity capital | 21,432,000 | 21,774,000 | 22,342,000 | 22,760,000 |
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 | 1,842,000 | 3,683,000 | 5,638,000 | 7,563,000 |
| Interest expense | 219,000 | 425,000 | 625,000 | 828,000 |
| Net interest income | 1,623,000 | 3,258,000 | 5,013,000 | 6,735,000 |
| Noninterest income | 404,000 | 740,000 | 1,177,000 | 1,573,000 |
| Noninterest expense | 1,328,000 | 2,737,000 | 4,281,000 | 5,744,000 |
| Provision for loan losses | 243,000 | 313,000 | 429,000 | 560,000 |
| Pretax income | 452,000 | 988,000 | 1,520,000 | 2,061,000 |
| Income tax | 40,000 | 84,000 | 123,000 | 110,000 |
| Net income | 412,000 | 904,000 | 1,397,000 | 1,951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,088,000 | 21,245,000 | 21,610,000 | 22,147,000 |
| Total capital | 22,447,000 | 22,652,000 | 23,046,000 | 23,634,000 |
| Risk-weighted assets | 108,131,000 | 112,093,000 | 114,355,000 | 118,463,000 |