Call reports 2012
COMMUNITY STATE BANK — 2012
What COMMUNITY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 27,326,000 | 26,722,000 | 25,336,000 | 25,680,000 |
| Total loans | 13,166,000 | 11,663,000 | 10,534,000 | 9,877,000 |
| Allowance for loan losses | 177,000 | 176,000 | 188,000 | 195,000 |
| Securities available for sale | 323,000 | 763,000 | 1,366,000 | 1,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,472,000 | 24,358,000 | 22,962,000 | 23,752,000 |
| Interest-bearing deposits | 19,654,000 | 18,750,000 | 18,139,000 | 17,248,000 |
| Noninterest-bearing deposits | 4,818,000 | 5,607,000 | 4,823,000 | 6,505,000 |
| Equity capital | 2,340,000 | 2,266,000 | 2,274,000 | 1,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 221,000 | 432,000 | 629,000 | 808,000 |
| Interest expense | 52,000 | 94,000 | 133,000 | 169,000 |
| Net interest income | 169,000 | 338,000 | 496,000 | 639,000 |
| Noninterest income | 34,000 | 38,000 | 77,000 | 114,000 |
| Noninterest expense | 220,000 | 435,000 | 621,000 | 1,226,000 |
| Provision for loan losses | 47,000 | 72,000 | 80,000 | 87,000 |
| Pretax income | -64,000 | -121,000 | -118,000 | -550,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -64,000 | -121,000 | -118,000 | -550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,893,000 | 1,834,000 | 1,839,000 | 1,835,000 |
| Total capital | 2,055,000 | 1,975,000 | 1,961,000 | 1,956,000 |
| Risk-weighted assets | 12,429,000 | 10,878,000 | 9,694,000 | 9,595,000 |