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 | 32,057,000 | 31,876,000 | 32,532,000 | 34,036,000 |
| Total loans | 14,057,000 | 14,145,000 | 14,716,000 | 16,782,000 |
| Allowance for loan losses | 262,000 | 282,000 | 281,000 | 298,000 |
| Securities available for sale | 14,082,000 | 13,790,000 | 15,029,000 | 14,007,000 |
| Securities held to maturity | 0 | 0 | 22,000 | 41,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,295,000 | 25,825,000 | 26,014,000 | 27,001,000 |
| Interest-bearing deposits | 22,911,000 | 22,866,000 | 22,717,000 | 23,050,000 |
| Noninterest-bearing deposits | 3,384,000 | 2,959,000 | 3,297,000 | 3,951,000 |
| Equity capital | 5,066,000 | 5,279,000 | 5,584,000 | 5,247,000 |
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 | 355,000 | 706,000 | 1,073,000 | 1,464,000 |
| Interest expense | 96,000 | 190,000 | 281,000 | 368,000 |
| Net interest income | 259,000 | 516,000 | 792,000 | 1,096,000 |
| Noninterest income | 7,000 | 41,000 | 46,000 | 55,000 |
| Noninterest expense | 186,000 | 345,000 | 520,000 | 762,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 80,000 | 212,000 | 318,000 | 389,000 |
| Income tax | 12,000 | 35,000 | 55,000 | 61,000 |
| Net income | 68,000 | 177,000 | 263,000 | 328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,978,000 | 5,087,000 | 5,173,000 | 5,208,000 |
| Total capital | 5,215,000 | 5,344,000 | 5,426,000 | 5,492,000 |
| Risk-weighted assets | 20,564,000 | 20,586,000 | 20,283,000 | 22,723,000 |