Call reports 2011
COMMUNITY STATE BANK — 2011
What COMMUNITY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 24,869,000 | 25,655,000 | 26,241,000 | 29,846,000 |
| Total loans | 16,858,000 | 15,703,000 | 14,055,000 | 14,089,000 |
| Allowance for loan losses | 260,000 | 221,000 | 193,000 | 208,000 |
| Securities available for sale | 1,000,000 | 820,000 | 825,000 | 327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,607,000 | 22,366,000 | 23,259,000 | 26,918,000 |
| Interest-bearing deposits | 18,267,000 | 18,484,000 | 19,001,000 | 20,559,000 |
| Noninterest-bearing deposits | 3,340,000 | 3,882,000 | 4,257,000 | 6,358,000 |
| Equity capital | 2,722,000 | 2,756,000 | 2,438,000 | 2,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 279,000 | 540,000 | 781,000 | 1,020,000 |
| Interest expense | 59,000 | 114,000 | 171,000 | 227,000 |
| Net interest income | 220,000 | 426,000 | 610,000 | 793,000 |
| Noninterest income | 19,000 | 53,000 | 96,000 | 115,000 |
| Noninterest expense | 218,000 | 428,000 | 712,000 | 932,000 |
| Provision for loan losses | 15,000 | 30,000 | 296,000 | 311,000 |
| Pretax income | 6,000 | 21,000 | -302,000 | -335,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,000 | 21,000 | -302,000 | -335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,298,000 | 2,312,000 | 1,990,000 | 1,956,000 |
| Total capital | 2,494,000 | 2,533,000 | 2,159,000 | 2,132,000 |
| Risk-weighted assets | 15,630,000 | 18,731,000 | 13,481,000 | 14,086,000 |