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 | 54,508,000 | 52,765,000 | 51,574,000 | 55,854,000 |
| Total loans | 28,753,000 | 30,205,000 | 30,917,000 | 30,035,000 |
| Allowance for loan losses | 481,000 | 508,000 | 519,000 | 476,000 |
| Securities available for sale | 18,158,000 | 16,995,000 | 16,084,000 | 15,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,111,000 | 42,057,000 | 40,459,000 | 44,830,000 |
| Interest-bearing deposits | 35,849,000 | 33,837,000 | 32,043,000 | 35,176,000 |
| Noninterest-bearing deposits | 8,262,000 | 8,220,000 | 8,416,000 | 9,654,000 |
| Equity capital | 4,043,000 | 4,075,000 | 4,097,000 | 4,149,000 |
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 | 505,000 | 1,010,000 | 1,541,000 | 2,070,000 |
| Interest expense | 167,000 | 320,000 | 468,000 | 612,000 |
| Net interest income | 338,000 | 690,000 | 1,073,000 | 1,458,000 |
| Noninterest income | 87,000 | 175,000 | 282,000 | 383,000 |
| Noninterest expense | 318,000 | 584,000 | 867,000 | 1,154,000 |
| Provision for loan losses | 0 | 14,000 | 43,000 | 72,000 |
| Pretax income | 107,000 | 267,000 | 445,000 | 615,000 |
| Income tax | 30,000 | 87,000 | 138,000 | 208,000 |
| Net income | 77,000 | 180,000 | 307,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,020,000 | 4,047,000 | 4,048,000 | 4,123,000 |
| Total capital | 4,378,000 | 4,411,000 | 4,418,000 | 4,496,000 |
| Risk-weighted assets | 28,515,000 | 28,963,000 | 29,490,000 | 29,717,000 |