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 | 61,823,000 | 63,025,000 | 59,262,000 | 59,045,000 |
| Total loans | 35,139,000 | 34,628,000 | 34,386,000 | 32,244,000 |
| Allowance for loan losses | 443,000 | 522,000 | 567,000 | 546,000 |
| Securities available for sale | 19,843,000 | 19,064,000 | 20,232,000 | 19,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,244,000 | 56,714,000 | 52,698,000 | 52,755,000 |
| Interest-bearing deposits | 42,060,000 | 42,409,000 | 38,832,000 | 37,634,000 |
| Noninterest-bearing deposits | 13,184,000 | 14,305,000 | 13,866,000 | 15,121,000 |
| Equity capital | 5,676,000 | 5,846,000 | 5,942,000 | 5,920,000 |
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 | 749,000 | 1,493,000 | 2,235,000 | 2,939,000 |
| Interest expense | 104,000 | 204,000 | 300,000 | 393,000 |
| Net interest income | 645,000 | 1,289,000 | 1,935,000 | 2,546,000 |
| Noninterest income | 145,000 | 308,000 | 494,000 | 665,000 |
| Noninterest expense | 485,000 | 945,000 | 1,442,000 | 1,979,000 |
| Provision for loan losses | 25,000 | 105,000 | 130,000 | 130,000 |
| Pretax income | 280,000 | 547,000 | 857,000 | 1,102,000 |
| Income tax | 85,000 | 173,000 | 250,000 | 343,000 |
| Net income | 195,000 | 374,000 | 607,000 | 759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,223,000 | 5,401,000 | 5,490,000 | 5,642,000 |
| Total capital | 5,666,000 | 5,902,000 | 5,989,000 | 6,121,000 |
| Risk-weighted assets | 41,253,000 | 40,345,000 | 39,868,000 | 38,271,000 |