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 | 54,136,000 | 52,303,000 | 52,525,000 | 57,906,000 |
| Total loans | 25,361,000 | 26,527,000 | 26,061,000 | 26,644,000 |
| Allowance for loan losses | 539,000 | 539,000 | 540,000 | 541,000 |
| Securities available for sale | 19,907,000 | 21,299,000 | 20,508,000 | 20,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,442,000 | 42,251,000 | 42,374,000 | 48,114,000 |
| Interest-bearing deposits | 33,262,000 | 32,769,000 | 32,605,000 | 35,121,000 |
| Noninterest-bearing deposits | 10,180,000 | 9,483,000 | 9,769,000 | 12,993,000 |
| Equity capital | 4,571,000 | 4,665,000 | 4,783,000 | 4,785,000 |
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 | 476,000 | 931,000 | 1,402,000 | 1,866,000 |
| Interest expense | 110,000 | 210,000 | 308,000 | 401,000 |
| Net interest income | 366,000 | 721,000 | 1,094,000 | 1,465,000 |
| Noninterest income | 79,000 | 158,000 | 245,000 | 318,000 |
| Noninterest expense | 266,000 | 489,000 | 743,000 | 1,050,000 |
| Provision for loan losses | 1,000 | 4,000 | 4,000 | 6,000 |
| Pretax income | 178,000 | 384,000 | 590,000 | 725,000 |
| Income tax | 55,000 | 124,000 | 193,000 | 248,000 |
| Net income | 123,000 | 260,000 | 397,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,531,000 | 4,603,000 | 4,676,000 | 4,689,000 |
| Total capital | 4,865,000 | 4,944,000 | 5,019,000 | 5,050,000 |
| Risk-weighted assets | 26,298,000 | 27,123,000 | 27,219,000 | 28,666,000 |