Call reports 2010
COMMUNITY STATE BANK — 2010
What COMMUNITY STATE BANK 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 | 34,278,000 | 34,642,000 | 34,755,000 | 35,504,000 |
| Total loans | 29,335,000 | 28,696,000 | 28,255,000 | 27,697,000 |
| Allowance for loan losses | 383,000 | 355,000 | 351,000 | 335,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 301,000 | 301,000 | 200,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,648,000 | 31,214,000 | 31,508,000 | 32,336,000 |
| Interest-bearing deposits | 21,292,000 | 21,644,000 | 21,921,000 | 22,431,000 |
| Noninterest-bearing deposits | 9,356,000 | 9,570,000 | 9,587,000 | 9,905,000 |
| Equity capital | 3,084,000 | 3,130,000 | 3,154,000 | 3,157,000 |
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 | 589,000 | 1,173,000 | 1,746,000 | 2,307,000 |
| Interest expense | 65,000 | 131,000 | 186,000 | 235,000 |
| Net interest income | 524,000 | 1,042,000 | 1,560,000 | 2,072,000 |
| Noninterest income | 175,000 | 382,000 | 548,000 | 706,000 |
| Noninterest expense | 487,000 | 964,000 | 1,509,000 | 2,066,000 |
| Provision for loan losses | 30,000 | 155,000 | 165,000 | 165,000 |
| Pretax income | 182,000 | 305,000 | 434,000 | 547,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 182,000 | 305,000 | 434,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,993,000 | 3,039,000 | 3,063,000 | 3,066,000 |
| Total capital | 3,369,000 | 3,394,000 | 3,414,000 | 3,401,000 |
| Risk-weighted assets | 30,086,000 | 29,594,000 | 29,260,000 | 28,518,000 |