Call reports 2013
CENTRAL STATE BANK — 2013
What CENTRAL STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 175,652,000 | 178,443,000 | 180,058,000 | 184,393,000 |
| Total loans | 106,384,000 | 108,351,000 | 111,163,000 | 114,895,000 |
| Allowance for loan losses | 2,046,000 | 2,124,000 | 2,173,000 | 2,136,000 |
| Securities available for sale | 31,623,000 | 36,363,000 | 37,509,000 | 37,333,000 |
| Securities held to maturity | 5,036,000 | 4,896,000 | 4,132,000 | 3,818,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,646,000 | 154,514,000 | 155,606,000 | 159,630,000 |
| Interest-bearing deposits | 116,462,000 | 118,838,000 | 116,007,000 | 117,065,000 |
| Noninterest-bearing deposits | 34,183,000 | 35,676,000 | 39,599,000 | 42,565,000 |
| Equity capital | 22,780,000 | 21,442,000 | 21,812,000 | 22,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,879,000 | 3,814,000 | 5,833,000 | 7,897,000 |
| Interest expense | 200,000 | 403,000 | 600,000 | 797,000 |
| Net interest income | 1,679,000 | 3,411,000 | 5,233,000 | 7,100,000 |
| Noninterest income | 494,000 | 869,000 | 1,255,000 | 1,538,000 |
| Noninterest expense | 1,556,000 | 3,117,000 | 4,682,000 | 6,186,000 |
| Provision for loan losses | 78,000 | 151,000 | 200,000 | 241,000 |
| Pretax income | 574,000 | 1,079,000 | 1,673,000 | 2,272,000 |
| Income tax | 39,000 | 78,000 | 129,000 | 129,000 |
| Net income | 535,000 | 1,001,000 | 1,544,000 | 2,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,359,000 | 22,558,000 | 22,819,000 | 23,417,000 |
| Total capital | 23,839,000 | 24,045,000 | 24,337,000 | 24,995,000 |
| Risk-weighted assets | 117,810,000 | 118,307,000 | 120,766,000 | 125,651,000 |