Call reports 2013
COMMUNITY STATE BANK OF ORBISONIA — 2013
What COMMUNITY STATE BANK OF ORBISONIA 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 | 313,293,000 | 314,454,000 | 316,972,000 | 312,907,000 |
| Total loans | 272,993,000 | 276,159,000 | 281,040,000 | 280,029,000 |
| Allowance for loan losses | 3,168,000 | 3,258,000 | 3,386,000 | 3,385,000 |
| Securities available for sale | 13,723,000 | 13,627,000 | 13,359,000 | 13,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,091,000 | 284,663,000 | 286,118,000 | 282,227,000 |
| Interest-bearing deposits | 269,765,000 | 270,903,000 | 267,977,000 | 267,607,000 |
| Noninterest-bearing deposits | 14,326,000 | 13,760,000 | 18,141,000 | 14,620,000 |
| Equity capital | 27,957,000 | 28,292,000 | 28,847,000 | 29,216,000 |
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 | 3,890,000 | 7,816,000 | 11,776,000 | 15,669,000 |
| Interest expense | 1,022,000 | 2,021,000 | 2,998,000 | 3,938,000 |
| Net interest income | 2,868,000 | 5,795,000 | 8,778,000 | 11,731,000 |
| Noninterest income | 355,000 | 792,000 | 1,215,000 | 1,623,000 |
| Noninterest expense | 1,958,000 | 4,101,000 | 6,104,000 | 8,514,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 780,000 |
| Pretax income | 1,070,000 | 2,096,000 | 3,304,000 | 4,060,000 |
| Income tax | 346,000 | 663,000 | 1,049,000 | 1,224,000 |
| Net income | 724,000 | 1,433,000 | 2,255,000 | 2,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,897,000 | 28,295,000 | 28,961,000 | 29,324,000 |
| Total capital | 30,468,000 | 30,883,000 | 31,586,000 | 31,895,000 |
| Risk-weighted assets | 204,293,000 | 205,604,000 | 208,502,000 | 204,795,000 |