Call reports 2020
COMMUNITY STATE BANK OF ROCK FALLS — 2020
What COMMUNITY STATE BANK OF ROCK FALLS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 285,755,000 | 300,317,000 | 303,272,000 | 310,081,000 |
| Total loans | 195,892,000 | 198,380,000 | 195,084,000 | 190,366,000 |
| Allowance for loan losses | 3,956,000 | 3,917,000 | 4,139,000 | 4,222,000 |
| Securities available for sale | 38,622,000 | 43,680,000 | 43,616,000 | 53,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,349,000 | 268,373,000 | 270,737,000 | 277,282,000 |
| Interest-bearing deposits | 221,368,000 | 227,335,000 | 231,146,000 | 236,296,000 |
| Noninterest-bearing deposits | 33,981,000 | 41,038,000 | 39,591,000 | 40,986,000 |
| Equity capital | 28,741,000 | 30,142,000 | 30,669,000 | 31,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,795,000 | 5,715,000 | 8,290,000 | 10,870,000 |
| Interest expense | 658,000 | 1,251,000 | 1,810,000 | 2,308,000 |
| Net interest income | 2,137,000 | 4,464,000 | 6,480,000 | 8,562,000 |
| Noninterest income | 386,000 | 810,000 | 1,414,000 | 2,149,000 |
| Noninterest expense | 1,661,000 | 3,261,000 | 4,916,000 | 6,581,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 562,000 | 1,413,000 | 2,078,000 | 2,930,000 |
| Income tax | 139,000 | 357,000 | 526,000 | 745,000 |
| Net income | 423,000 | 1,056,000 | 1,552,000 | 2,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,360,000 | 27,941,000 | 28,366,000 | 28,759,000 |
| Total capital | 29,495,000 | 30,117,000 | 30,513,000 | 30,898,000 |
| Risk-weighted assets | 169,001,000 | 172,343,000 | 169,792,000 | 169,068,000 |