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 | 199,311,000 | 192,412,000 | 189,116,000 | 188,291,000 |
| Total loans | 79,494,000 | 80,036,000 | 78,382,000 | 77,197,000 |
| Allowance for loan losses | 1,872,000 | 2,291,000 | 2,368,000 | 2,431,000 |
| Securities available for sale | 76,019,000 | 79,018,000 | 79,611,000 | 76,955,000 |
| Securities held to maturity | 7,947,000 | 6,826,000 | 7,264,000 | 6,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,200,000 | 172,111,000 | 168,687,000 | 168,043,000 |
| Interest-bearing deposits | 154,999,000 | 148,890,000 | 143,792,000 | 143,027,000 |
| Noninterest-bearing deposits | 23,201,000 | 23,221,000 | 24,895,000 | 25,016,000 |
| Equity capital | 20,767,000 | 19,900,000 | 20,089,000 | 19,907,000 |
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 | 1,773,000 | 3,490,000 | 5,182,000 | 6,810,000 |
| Interest expense | 108,000 | 211,000 | 310,000 | 404,000 |
| Net interest income | 1,665,000 | 3,279,000 | 4,872,000 | 6,406,000 |
| Noninterest income | 332,000 | 615,000 | 888,000 | 1,208,000 |
| Noninterest expense | 1,562,000 | 3,065,000 | 4,605,000 | 6,298,000 |
| Provision for loan losses | 150,000 | 600,000 | 750,000 | 900,000 |
| Pretax income | 285,000 | 229,000 | 422,000 | 470,000 |
| Income tax | 44,000 | -36,000 | -30,000 | -72,000 |
| Net income | 241,000 | 265,000 | 452,000 | 542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,709,000 | 15,821,000 | 16,108,000 | 16,021,000 |
| Total capital | 16,983,000 | 17,090,000 | 17,364,000 | 17,206,000 |
| Risk-weighted assets | 107,255,000 | 102,252,000 | 101,119,000 | 96,334,000 |