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 | 17,363,000 | 16,260,000 | 16,206,000 | 16,689,000 |
| Total loans | 10,193,000 | 9,249,000 | 10,463,000 | 11,769,000 |
| Allowance for loan losses | 140,000 | 142,000 | 142,000 | 142,000 |
| Securities available for sale | 3,425,000 | 3,247,000 | 3,151,000 | 3,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,099,000 | 13,213,000 | 12,864,000 | 13,128,000 |
| Interest-bearing deposits | 12,024,000 | 11,588,000 | 10,955,000 | 10,458,000 |
| Noninterest-bearing deposits | 2,075,000 | 1,625,000 | 1,909,000 | 2,670,000 |
| Equity capital | 1,888,000 | 1,900,000 | 1,925,000 | 1,902,000 |
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 | 243,000 | 407,000 | 572,000 | 759,000 |
| Interest expense | 43,000 | 79,000 | 117,000 | 148,000 |
| Net interest income | 200,000 | 328,000 | 455,000 | 611,000 |
| Noninterest income | 5,000 | 7,000 | 19,000 | 28,000 |
| Noninterest expense | 121,000 | 233,000 | 346,000 | 492,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 84,000 | 102,000 | 128,000 | 147,000 |
| Income tax | 24,000 | 44,000 | 50,000 | 45,000 |
| Net income | 60,000 | 58,000 | 78,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,873,000 | 1,871,000 | 1,890,000 | 1,914,000 |
| Total capital | 2,013,000 | 2,001,000 | 2,028,000 | 2,056,000 |
| Risk-weighted assets | 11,340,000 | 10,404,000 | 11,065,000 | 12,206,000 |