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 | 56,431,000 | 54,738,000 | 52,904,000 | 55,490,000 |
| Total loans | 25,478,000 | 25,871,000 | 25,956,000 | 25,070,000 |
| Allowance for loan losses | 541,000 | 544,000 | 544,000 | 544,000 |
| Securities available for sale | 21,426,000 | 21,909,000 | 22,451,000 | 22,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,902,000 | 46,668,000 | 44,722,000 | 46,836,000 |
| Interest-bearing deposits | 35,010,000 | 33,745,000 | 33,356,000 | 34,596,000 |
| Noninterest-bearing deposits | 12,892,000 | 12,923,000 | 11,366,000 | 12,240,000 |
| Equity capital | 4,792,000 | 4,723,000 | 4,827,000 | 4,860,000 |
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 | 438,000 | 854,000 | 1,268,000 | 1,676,000 |
| Interest expense | 78,000 | 147,000 | 213,000 | 269,000 |
| Net interest income | 360,000 | 707,000 | 1,055,000 | 1,407,000 |
| Noninterest income | 76,000 | 145,000 | 216,000 | 270,000 |
| Noninterest expense | 219,000 | 443,000 | 689,000 | 969,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 16,000 |
| Pretax income | 212,000 | 404,000 | 577,000 | 695,000 |
| Income tax | 66,000 | 131,000 | 188,000 | 235,000 |
| Net income | 146,000 | 273,000 | 389,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,745,000 | 4,807,000 | 4,860,000 | 4,865,000 |
| Total capital | 5,085,000 | 5,151,000 | 5,206,000 | 5,203,000 |
| Risk-weighted assets | 27,011,000 | 27,338,000 | 27,450,000 | 27,538,000 |