Call reports 2012
COMMUNITY STATE BANK OF ORBISONIA — 2012
What COMMUNITY STATE BANK OF ORBISONIA 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 | 303,043,000 | 307,919,000 | 309,855,000 | 310,528,000 |
| Total loans | 255,824,000 | 261,063,000 | 266,088,000 | 268,749,000 |
| Allowance for loan losses | 2,696,000 | 2,835,000 | 2,975,000 | 3,014,000 |
| Securities available for sale | 12,303,000 | 12,847,000 | 11,236,000 | 13,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,462,000 | 280,417,000 | 281,052,000 | 281,582,000 |
| Interest-bearing deposits | 262,916,000 | 267,690,000 | 267,639,000 | 268,111,000 |
| Noninterest-bearing deposits | 12,546,000 | 12,727,000 | 13,413,000 | 13,471,000 |
| Equity capital | 25,499,000 | 25,896,000 | 26,522,000 | 27,346,000 |
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 | 4,025,000 | 8,075,000 | 12,136,000 | 16,185,000 |
| Interest expense | 1,166,000 | 2,309,000 | 3,448,000 | 4,545,000 |
| Net interest income | 2,859,000 | 5,766,000 | 8,688,000 | 11,640,000 |
| Noninterest income | 320,000 | 674,000 | 1,001,000 | 1,360,000 |
| Noninterest expense | 1,943,000 | 3,959,000 | 5,857,000 | 7,896,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 780,000 |
| Pretax income | 1,041,000 | 2,091,000 | 3,247,000 | 4,324,000 |
| Income tax | 319,000 | 683,000 | 1,067,000 | 1,305,000 |
| Net income | 722,000 | 1,408,000 | 2,180,000 | 3,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,361,000 | 25,738,000 | 26,354,000 | 27,173,000 |
| Total capital | 27,837,000 | 28,239,000 | 28,885,000 | 29,691,000 |
| Risk-weighted assets | 197,112,000 | 198,983,000 | 201,286,000 | 200,575,000 |