Call reports 2010
COMMUNITY STATE BANK — 2010
What COMMUNITY STATE BANK 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 | 532,645,000 | 536,826,000 | 523,853,000 | 538,230,000 |
| Total loans | 379,805,000 | 370,214,000 | 369,308,000 | 353,639,000 |
| Allowance for loan losses | 7,864,000 | 7,489,000 | 6,692,000 | 6,305,000 |
| Securities available for sale | 83,805,000 | 79,658,000 | 75,396,000 | 80,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,624,000 | 398,577,000 | 399,044,000 | 419,638,000 |
| Interest-bearing deposits | 318,326,000 | 325,598,000 | 326,935,000 | 342,350,000 |
| Noninterest-bearing deposits | 77,298,000 | 72,979,000 | 72,109,000 | 77,288,000 |
| Equity capital | 53,648,000 | 54,517,000 | 55,255,000 | 54,182,000 |
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 | 6,285,000 | 12,459,000 | 18,967,000 | 25,024,000 |
| Interest expense | 1,784,000 | 3,511,000 | 5,227,000 | 6,647,000 |
| Net interest income | 4,501,000 | 8,948,000 | 13,740,000 | 18,377,000 |
| Noninterest income | 1,546,000 | 3,260,000 | 5,079,000 | 6,676,000 |
| Noninterest expense | 4,588,000 | 9,188,000 | 13,710,000 | 18,634,000 |
| Provision for loan losses | 550,000 | 1,700,000 | 2,450,000 | 3,200,000 |
| Pretax income | 909,000 | 1,228,000 | 2,502,000 | 3,062,000 |
| Income tax | 274,000 | 333,000 | 747,000 | 900,000 |
| Net income | 635,000 | 895,000 | 1,755,000 | 2,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,332,000 | 48,600,000 | 49,169,000 | 48,485,000 |
| Total capital | 53,202,000 | 53,377,000 | 53,928,000 | 53,086,000 |
| Risk-weighted assets | 386,414,000 | 379,265,000 | 378,615,000 | 366,176,000 |