Call reports 2012
COMMUNITY STATE BANK — 2012
What COMMUNITY 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 | 203,444,000 | 201,150,000 | 201,361,000 | 195,919,000 |
| Total loans | 84,570,000 | 84,997,000 | 84,338,000 | 82,834,000 |
| Allowance for loan losses | 1,750,000 | 1,737,000 | 1,788,000 | 1,821,000 |
| Securities available for sale | 67,991,000 | 65,070,000 | 73,085,000 | 72,654,000 |
| Securities held to maturity | 11,530,000 | 10,675,000 | 9,281,000 | 8,894,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,441,000 | 180,284,000 | 179,895,000 | 174,879,000 |
| Interest-bearing deposits | 156,689,000 | 152,804,000 | 149,090,000 | 149,998,000 |
| Noninterest-bearing deposits | 26,751,000 | 27,480,000 | 30,805,000 | 24,881,000 |
| Equity capital | 19,464,000 | 20,088,000 | 20,673,000 | 20,341,000 |
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 | 1,900,000 | 3,797,000 | 5,665,000 | 7,535,000 |
| Interest expense | 154,000 | 291,000 | 419,000 | 535,000 |
| Net interest income | 1,746,000 | 3,506,000 | 5,246,000 | 7,000,000 |
| Noninterest income | 341,000 | 712,000 | 974,000 | 1,176,000 |
| Noninterest expense | 1,550,000 | 3,014,000 | 4,698,000 | 6,393,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 404,000 | 909,000 | 1,093,000 | 1,235,000 |
| Income tax | 73,000 | 173,000 | 183,000 | 167,000 |
| Net income | 331,000 | 736,000 | 910,000 | 1,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,367,000 | 14,857,000 | 15,125,000 | 15,366,000 |
| Total capital | 15,740,000 | 16,230,000 | 16,530,000 | 16,687,000 |
| Risk-weighted assets | 109,450,000 | 110,696,000 | 111,943,000 | 106,366,000 |