Call reports 2012
CENTRAL STATE BANK — 2012
What CENTRAL 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 | 64,765,000 | 65,054,000 | 71,018,000 | 67,281,000 |
| Total loans | 35,796,000 | 38,332,000 | 36,705,000 | 35,274,000 |
| Allowance for loan losses | 359,000 | 383,000 | 370,000 | 447,000 |
| Securities available for sale | 4,876,000 | 6,827,000 | 7,486,000 | 7,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,358,000 | 55,809,000 | 61,692,000 | 57,763,000 |
| Interest-bearing deposits | 43,870,000 | 40,561,000 | 48,080,000 | 44,322,000 |
| Noninterest-bearing deposits | 11,488,000 | 15,248,000 | 13,612,000 | 13,441,000 |
| Equity capital | 8,742,000 | 8,681,000 | 8,793,000 | 8,804,000 |
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 | 608,000 | 1,209,000 | 1,819,000 | 2,458,000 |
| Interest expense | 60,000 | 116,000 | 169,000 | 217,000 |
| Net interest income | 548,000 | 1,093,000 | 1,650,000 | 2,241,000 |
| Noninterest income | 194,000 | 405,000 | 650,000 | 723,000 |
| Noninterest expense | 581,000 | 1,156,000 | 1,752,000 | 2,194,000 |
| Provision for loan losses | 12,000 | 75,000 | 153,000 | 260,000 |
| Pretax income | 149,000 | 267,000 | 395,000 | 510,000 |
| Income tax | 48,000 | 85,000 | 124,000 | 160,000 |
| Net income | 101,000 | 182,000 | 271,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,540,000 | 8,444,000 | 8,550,000 | 8,590,000 |
| Total capital | 8,899,000 | 8,827,000 | 8,920,000 | 9,037,000 |
| Risk-weighted assets | 37,517,000 | 38,832,000 | 39,005,000 | 37,337,000 |