Call reports 2010
COMMUNITY STATE BANK — 2010
What COMMUNITY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 116,451,000 | 119,215,000 | 117,299,000 | 126,198,000 |
| Total loans | 68,234,000 | 68,125,000 | 68,627,000 | 65,516,000 |
| Allowance for loan losses | 1,071,000 | 1,092,000 | 1,120,000 | 1,151,000 |
| Securities available for sale | 42,496,000 | 37,577,000 | 41,359,000 | 44,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,853,000 | 101,534,000 | 99,510,000 | 109,893,000 |
| Interest-bearing deposits | 82,976,000 | 84,804,000 | 83,357,000 | 90,164,000 |
| Noninterest-bearing deposits | 15,877,000 | 16,730,000 | 16,153,000 | 19,729,000 |
| Equity capital | 9,878,000 | 10,570,000 | 11,183,000 | 10,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,362,000 | 2,728,000 | 4,089,000 | 5,440,000 |
| Interest expense | 385,000 | 778,000 | 1,176,000 | 1,559,000 |
| Net interest income | 977,000 | 1,950,000 | 2,913,000 | 3,881,000 |
| Noninterest income | 425,000 | 807,000 | 1,180,000 | 1,500,000 |
| Noninterest expense | 832,000 | 1,716,000 | 2,620,000 | 3,560,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | 542,000 | 1,027,000 | 1,465,000 | 1,729,000 |
| Income tax | 27,000 | 51,000 | 73,000 | 86,000 |
| Net income | 515,000 | 976,000 | 1,392,000 | 1,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,767,000 | 9,146,000 | 9,461,000 | 9,630,000 |
| Total capital | 9,752,000 | 10,123,000 | 10,472,000 | 10,618,000 |
| Risk-weighted assets | 78,661,000 | 78,217,000 | 80,768,000 | 78,852,000 |