Call reports 2013
COMMUNITY STATE BANK OF ROCK FALLS — 2013
What COMMUNITY STATE BANK OF ROCK FALLS 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 | 261,404,000 | 258,486,000 | 253,499,000 | 251,497,000 |
| Total loans | 164,812,000 | 164,669,000 | 166,037,000 | 171,606,000 |
| Allowance for loan losses | 2,890,000 | 3,248,000 | 3,495,000 | 4,086,000 |
| Securities available for sale | 46,728,000 | 44,522,000 | 45,283,000 | 43,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,819,000 | 234,312,000 | 230,041,000 | 227,814,000 |
| Interest-bearing deposits | 209,431,000 | 206,854,000 | 202,666,000 | 201,235,000 |
| Noninterest-bearing deposits | 27,388,000 | 27,458,000 | 27,375,000 | 26,579,000 |
| Equity capital | 22,881,000 | 22,571,000 | 22,640,000 | 22,802,000 |
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 | 2,391,000 | 4,734,000 | 7,131,000 | 9,520,000 |
| Interest expense | 402,000 | 792,000 | 1,181,000 | 1,553,000 |
| Net interest income | 1,989,000 | 3,942,000 | 5,950,000 | 7,967,000 |
| Noninterest income | 478,000 | 764,000 | 1,078,000 | 1,503,000 |
| Noninterest expense | 1,530,000 | 3,007,000 | 4,452,000 | 5,778,000 |
| Provision for loan losses | 199,000 | 499,000 | 799,000 | 1,099,000 |
| Pretax income | 738,000 | 1,200,000 | 1,777,000 | 2,593,000 |
| Income tax | 262,000 | 414,000 | 611,000 | 893,000 |
| Net income | 476,000 | 786,000 | 1,166,000 | 1,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,169,000 | 21,390,000 | 21,701,000 | 22,039,000 |
| Total capital | 22,945,000 | 23,156,000 | 23,600,000 | 23,978,000 |
| Risk-weighted assets | 151,483,000 | 139,856,000 | 150,045,000 | 152,973,000 |
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