Call reports 2010
COMMUNITY STATE BANK OF ORBISONIA — 2010
What COMMUNITY STATE BANK OF ORBISONIA 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 | 259,723,000 | 266,866,000 | 271,012,000 | 275,119,000 |
| Total loans | 223,150,000 | 229,906,000 | 237,884,000 | 239,624,000 |
| Allowance for loan losses | 1,924,000 | 1,993,000 | 2,029,000 | 2,063,000 |
| Securities available for sale | 9,052,000 | 8,740,000 | 7,323,000 | 8,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,679,000 | 242,684,000 | 246,261,000 | 251,862,000 |
| Interest-bearing deposits | 226,135,000 | 232,221,000 | 234,466,000 | 241,560,000 |
| Noninterest-bearing deposits | 10,544,000 | 10,463,000 | 11,795,000 | 10,302,000 |
| Equity capital | 21,492,000 | 21,920,000 | 22,384,000 | 22,731,000 |
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 | 3,762,000 | 7,655,000 | 11,706,000 | 15,786,000 |
| Interest expense | 1,370,000 | 2,754,000 | 4,118,000 | 5,473,000 |
| Net interest income | 2,392,000 | 4,901,000 | 7,588,000 | 10,313,000 |
| Noninterest income | 226,000 | 526,000 | 831,000 | 1,129,000 |
| Noninterest expense | 1,868,000 | 3,666,000 | 5,615,000 | 7,695,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 600,000 | 1,461,000 | 2,354,000 | 3,147,000 |
| Income tax | 160,000 | 445,000 | 775,000 | 936,000 |
| Net income | 440,000 | 1,016,000 | 1,579,000 | 2,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,402,000 | 21,839,000 | 22,263,000 | 22,700,000 |
| Total capital | 23,326,000 | 23,832,000 | 24,292,000 | 24,763,000 |
| Risk-weighted assets | 169,604,000 | 176,790,000 | 181,812,000 | 181,336,000 |