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 | 65,225,000 | 67,170,000 | 62,938,000 | 63,211,000 |
| Total loans | 30,883,000 | 33,038,000 | 32,697,000 | 33,430,000 |
| Allowance for loan losses | 542,000 | 542,000 | 542,000 | 550,000 |
| Securities available for sale | 29,692,000 | 29,004,000 | 24,884,000 | 22,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,543,000 | 54,817,000 | 53,555,000 | 55,684,000 |
| Interest-bearing deposits | 40,040,000 | 39,172,000 | 36,981,000 | 37,928,000 |
| Noninterest-bearing deposits | 16,503,000 | 15,645,000 | 16,574,000 | 17,756,000 |
| Equity capital | 6,897,000 | 7,145,000 | 7,284,000 | 7,105,000 |
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 | 633,000 | 1,286,000 | 1,911,000 | 2,501,000 |
| Interest expense | 65,000 | 123,000 | 178,000 | 225,000 |
| Net interest income | 568,000 | 1,163,000 | 1,733,000 | 2,276,000 |
| Noninterest income | 156,000 | 311,000 | 473,000 | 637,000 |
| Noninterest expense | 464,000 | 947,000 | 1,434,000 | 1,924,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 268,000 | 535,000 | 780,000 | 972,000 |
| Income tax | 75,000 | 155,000 | 204,000 | 278,000 |
| Net income | 193,000 | 380,000 | 576,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,521,000 | 6,708,000 | 6,810,000 | 6,727,000 |
| Total capital | 7,004,000 | 7,220,000 | 7,304,000 | 7,224,000 |
| Risk-weighted assets | 38,570,000 | 40,969,000 | 39,460,000 | 39,698,000 |