Call reports 2013
CENTRAL STATE BANK — 2013
What CENTRAL 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 | 66,015,000 | 67,065,000 | 76,040,000 | 75,391,000 |
| Total loans | 35,700,000 | 35,603,000 | 32,764,000 | 33,916,000 |
| Allowance for loan losses | 457,000 | 436,000 | 431,000 | 409,000 |
| Securities available for sale | 9,565,000 | 10,583,000 | 10,000,000 | 11,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,619,000 | 57,617,000 | 66,650,000 | 65,881,000 |
| Interest-bearing deposits | 44,931,000 | 43,102,000 | 49,081,000 | 51,071,000 |
| Noninterest-bearing deposits | 11,688,000 | 14,515,000 | 17,569,000 | 14,810,000 |
| Equity capital | 8,876,000 | 8,957,000 | 8,942,000 | 9,037,000 |
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 | 530,000 | 1,092,000 | 1,636,000 | 2,185,000 |
| Interest expense | 44,000 | 81,000 | 116,000 | 152,000 |
| Net interest income | 486,000 | 1,011,000 | 1,520,000 | 2,033,000 |
| Noninterest income | 204,000 | 409,000 | 564,000 | 772,000 |
| Noninterest expense | 541,000 | 1,020,000 | 1,562,000 | 2,131,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 20,000 |
| Pretax income | 149,000 | 380,000 | 502,000 | 654,000 |
| Income tax | 46,000 | 117,000 | 153,000 | 198,000 |
| Net income | 103,000 | 263,000 | 349,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,755,000 | 8,904,000 | 8,907,000 | 8,974,000 |
| Total capital | 9,212,000 | 9,340,000 | 9,338,000 | 9,383,000 |
| Risk-weighted assets | 37,985,000 | 37,166,000 | 36,925,000 | 37,634,000 |