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 | 41,466,000 | 41,300,000 | 42,555,000 | 41,971,000 |
| Total loans | 23,727,000 | 23,660,000 | 23,381,000 | 22,961,000 |
| Allowance for loan losses | 341,000 | 387,000 | 386,000 | 314,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 161,000 | 161,000 | 663,000 | 662,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,180,000 | 37,989,000 | 39,238,000 | 38,868,000 |
| Interest-bearing deposits | 25,718,000 | 25,696,000 | 24,721,000 | 24,520,000 |
| Noninterest-bearing deposits | 12,462,000 | 12,293,000 | 14,517,000 | 14,348,000 |
| Equity capital | 3,264,000 | 3,277,000 | 3,281,000 | 3,100,000 |
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 | 492,000 | 975,000 | 1,447,000 | 1,896,000 |
| Interest expense | 25,000 | 47,000 | 66,000 | 83,000 |
| Net interest income | 467,000 | 928,000 | 1,381,000 | 1,813,000 |
| Noninterest income | 158,000 | 324,000 | 464,000 | 639,000 |
| Noninterest expense | 452,000 | 934,000 | 1,413,000 | 1,928,000 |
| Provision for loan losses | 50,000 | 92,000 | 112,000 | 317,000 |
| Pretax income | 123,000 | 226,000 | 320,000 | 207,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 123,000 | 226,000 | 320,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,264,000 | 3,277,000 | 3,281,000 | 3,100,000 |
| Total capital | 3,584,000 | 3,604,000 | 3,615,000 | 3,414,000 |
| Risk-weighted assets | 25,574,000 | 26,078,000 | 26,683,000 | 26,767,000 |