Call reports 2013
COMMUNITY STATE BANK — 2013
What COMMUNITY 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 | 84,686,000 | 82,456,000 | 97,796,000 | 86,840,000 |
| Total loans | 48,065,000 | 48,768,000 | 50,358,000 | 51,501,000 |
| Allowance for loan losses | 1,415,000 | 1,495,000 | 1,502,000 | 1,329,000 |
| Securities available for sale | 15,369,000 | 15,217,000 | 15,959,000 | 15,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,659,000 | 72,351,000 | 87,671,000 | 76,487,000 |
| Interest-bearing deposits | 62,645,000 | 62,957,000 | 63,245,000 | 62,474,000 |
| Noninterest-bearing deposits | 12,014,000 | 9,394,000 | 24,427,000 | 14,013,000 |
| Equity capital | 9,691,000 | 9,813,000 | 9,827,000 | 10,164,000 |
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 | 891,000 | 1,771,000 | 2,668,000 | 3,573,000 |
| Interest expense | 124,000 | 244,000 | 362,000 | 477,000 |
| Net interest income | 767,000 | 1,527,000 | 2,306,000 | 3,096,000 |
| Noninterest income | 46,000 | 91,000 | 171,000 | 215,000 |
| Noninterest expense | 453,000 | 935,000 | 1,744,000 | 2,214,000 |
| Provision for loan losses | 75,000 | 150,000 | 165,000 | 180,000 |
| Pretax income | 285,000 | 533,000 | 568,000 | 917,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 285,000 | 533,000 | 568,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,559,000 | 9,807,000 | 9,842,000 | 10,191,000 |
| Total capital | 10,222,000 | 10,465,000 | 10,542,000 | 10,858,000 |
| Risk-weighted assets | 52,266,000 | 51,837,000 | 55,239,000 | 52,726,000 |