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 | 192,284,000 | 192,989,000 | 194,278,000 | 195,608,000 |
| Total loans | 130,080,000 | 130,684,000 | 132,766,000 | 134,689,000 |
| Allowance for loan losses | 2,183,000 | 2,228,000 | 2,351,000 | 2,158,000 |
| Securities available for sale | 49,166,000 | 49,483,000 | 48,459,000 | 49,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,012,000 | 161,247,000 | 162,207,000 | 164,024,000 |
| Interest-bearing deposits | 139,263,000 | 139,308,000 | 140,502,000 | 143,919,000 |
| Noninterest-bearing deposits | 21,749,000 | 21,939,000 | 21,705,000 | 20,105,000 |
| Equity capital | 17,346,000 | 17,779,000 | 18,200,000 | 18,340,000 |
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 | 2,205,000 | 4,432,000 | 6,617,000 | 8,799,000 |
| Interest expense | 467,000 | 917,000 | 1,348,000 | 1,771,000 |
| Net interest income | 1,738,000 | 3,515,000 | 5,269,000 | 7,028,000 |
| Noninterest income | 342,000 | 709,000 | 1,077,000 | 1,413,000 |
| Noninterest expense | 1,303,000 | 2,562,000 | 3,867,000 | 5,282,000 |
| Provision for loan losses | 125,000 | 250,000 | 375,000 | 560,000 |
| Pretax income | 652,000 | 1,429,000 | 2,170,000 | 2,707,000 |
| Income tax | 200,000 | 455,000 | 709,000 | 839,000 |
| Net income | 452,000 | 974,000 | 1,461,000 | 1,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,662,000 | 17,088,000 | 17,479,000 | 17,790,000 |
| Total capital | 18,171,000 | 18,617,000 | 19,013,000 | 19,304,000 |
| Risk-weighted assets | 120,062,000 | 121,654,000 | 121,895,000 | 120,500,000 |