Call reports 2013
COMMUNITY STATE BANK — 2013
What COMMUNITY 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 | 299,824,000 | 299,512,000 | 301,135,000 | 322,033,000 |
| Total loans | 176,749,000 | 175,187,000 | 171,322,000 | 168,266,000 |
| Allowance for loan losses | 5,414,000 | 5,378,000 | 5,699,000 | 5,501,000 |
| Securities available for sale | 23,730,000 | 28,370,000 | 32,163,000 | 38,326,000 |
| Securities held to maturity | 1,116,000 | 1,115,000 | 1,115,000 | 900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,046,000 | 264,502,000 | 266,380,000 | 287,796,000 |
| Interest-bearing deposits | 209,985,000 | 206,682,000 | 202,593,000 | 219,793,000 |
| Noninterest-bearing deposits | 54,061,000 | 57,820,000 | 63,787,000 | 68,003,000 |
| Equity capital | 31,741,000 | 31,206,000 | 30,861,000 | 30,042,000 |
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 | 2,879,000 | 5,731,000 | 8,665,000 | 11,465,000 |
| Interest expense | 186,000 | 361,000 | 534,000 | 699,000 |
| Net interest income | 2,693,000 | 5,370,000 | 8,131,000 | 10,766,000 |
| Noninterest income | 679,000 | 1,331,000 | 2,087,000 | 2,715,000 |
| Noninterest expense | 2,328,000 | 4,727,000 | 7,193,000 | 9,818,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,800,000 |
| Pretax income | 594,000 | 1,074,000 | 1,675,000 | 1,863,000 |
| Income tax | 4,000 | 7,000 | 10,000 | 13,000 |
| Net income | 590,000 | 1,067,000 | 1,665,000 | 1,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,100,000 | 31,082,000 | 31,183,000 | 30,716,000 |
| Total capital | 33,503,000 | 33,468,000 | 33,543,000 | 33,042,000 |
| Risk-weighted assets | 189,207,000 | 187,884,000 | 185,483,000 | 182,888,000 |