Call reports 2010
COMMUNITY STATE BANK, THE — 2010
What COMMUNITY STATE BANK, THE 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 | 175,549,000 | 182,407,000 | 181,384,000 | 183,572,000 |
| Total loans | 125,709,000 | 130,906,000 | 133,530,000 | 135,336,000 |
| Allowance for loan losses | 1,278,000 | 1,385,000 | 1,345,000 | 1,401,000 |
| Securities available for sale | 34,030,000 | 36,606,000 | 31,144,000 | 32,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,777,000 | 155,358,000 | 153,427,000 | 152,754,000 |
| Interest-bearing deposits | 118,767,000 | 123,922,000 | 121,366,000 | 121,256,000 |
| Noninterest-bearing deposits | 30,010,000 | 31,436,000 | 32,061,000 | 31,498,000 |
| Equity capital | 15,209,000 | 15,392,000 | 16,064,000 | 15,249,000 |
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 | 2,217,000 | 4,697,000 | 7,247,000 | 9,772,000 |
| Interest expense | 507,000 | 1,036,000 | 1,544,000 | 2,007,000 |
| Net interest income | 1,710,000 | 3,661,000 | 5,703,000 | 7,765,000 |
| Noninterest income | 436,000 | 950,000 | 1,417,000 | 1,902,000 |
| Noninterest expense | 1,728,000 | 3,504,000 | 5,296,000 | 7,260,000 |
| Provision for loan losses | 186,000 | 333,000 | 460,000 | 580,000 |
| Pretax income | 344,000 | 1,008,000 | 1,921,000 | 2,490,000 |
| Income tax | 84,000 | 240,000 | 587,000 | 746,000 |
| Net income | 260,000 | 768,000 | 1,334,000 | 1,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,444,000 | 14,687,000 | 15,254,000 | 15,267,000 |
| Total capital | 15,722,000 | 16,072,000 | 16,599,000 | 16,668,000 |
| Risk-weighted assets | 118,319,000 | 125,772,000 | 129,172,000 | 130,828,000 |