Call reports 2013
COMMUNITY STATE BANK — 2013
What COMMUNITY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 64,765,000 | 65,196,000 | 68,203,000 | 164,033,000 |
| Total loans | 32,817,000 | 32,575,000 | 32,072,000 | 55,499,000 |
| Allowance for loan losses | 550,000 | 550,000 | 550,000 | 429,000 |
| Securities available for sale | 25,186,000 | 23,561,000 | 26,702,000 | 92,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,009,000 | 57,749,000 | 60,946,000 | 147,115,000 |
| Interest-bearing deposits | 40,294,000 | 40,043,000 | 38,456,000 | 113,381,000 |
| Noninterest-bearing deposits | 16,715,000 | 17,706,000 | 22,490,000 | 33,734,000 |
| Equity capital | 7,198,000 | 7,074,000 | 6,944,000 | 15,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 629,000 | 1,189,000 | 1,756,000 | 2,698,000 |
| Interest expense | 43,000 | 82,000 | 119,000 | 198,000 |
| Net interest income | 586,000 | 1,107,000 | 1,637,000 | 2,500,000 |
| Noninterest income | 172,000 | 327,000 | 489,000 | 875,000 |
| Noninterest expense | 498,000 | 956,000 | 1,415,000 | 2,219,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 274,000 | 492,000 | 725,000 | 1,169,000 |
| Income tax | 91,000 | 157,000 | 200,000 | 243,000 |
| Net income | 183,000 | 335,000 | 525,000 | 926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,829,000 | 6,980,000 | 6,969,000 | 15,079,000 |
| Total capital | 7,327,000 | 7,474,000 | 7,470,000 | 15,508,000 |
| Risk-weighted assets | 39,809,000 | 39,469,000 | 40,034,000 | 76,468,000 |