Call reports 2013
COMMUNITY STATE BANK, THE — 2013
What COMMUNITY STATE BANK, THE 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 | 190,708,000 | 192,363,000 | 198,981,000 | 197,593,000 |
| Total loans | 147,477,000 | 151,468,000 | 154,124,000 | 155,693,000 |
| Allowance for loan losses | 1,549,000 | 1,444,000 | 1,442,000 | 1,402,000 |
| Securities available for sale | 25,254,000 | 22,058,000 | 26,767,000 | 23,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,055,000 | 162,810,000 | 167,586,000 | 170,822,000 |
| Interest-bearing deposits | 123,742,000 | 123,457,000 | 128,191,000 | 132,753,000 |
| Noninterest-bearing deposits | 40,313,000 | 39,353,000 | 39,395,000 | 38,069,000 |
| Equity capital | 18,680,000 | 18,613,000 | 18,641,000 | 18,836,000 |
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 | 2,514,000 | 5,067,000 | 7,694,000 | 10,254,000 |
| Interest expense | 228,000 | 458,000 | 691,000 | 957,000 |
| Net interest income | 2,286,000 | 4,609,000 | 7,003,000 | 9,297,000 |
| Noninterest income | 467,000 | 1,034,000 | 1,619,000 | 2,203,000 |
| Noninterest expense | 2,185,000 | 4,235,000 | 6,306,000 | 8,530,000 |
| Provision for loan losses | 74,000 | 224,000 | 380,000 | 449,000 |
| Pretax income | 846,000 | 1,607,000 | 2,359,000 | 2,690,000 |
| Income tax | 169,000 | 473,000 | 727,000 | 909,000 |
| Net income | 677,000 | 1,134,000 | 1,632,000 | 1,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,257,000 | 18,752,000 | 19,100,000 | 19,074,000 |
| Total capital | 19,806,000 | 20,196,000 | 20,542,000 | 20,476,000 |
| Risk-weighted assets | 147,127,000 | 150,772,000 | 152,599,000 | 152,363,000 |