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 | 16,931,000 | 17,103,000 | 16,943,000 | 16,862,000 |
| Total loans | 7,940,000 | 8,121,000 | 9,603,000 | 10,895,000 |
| Allowance for loan losses | 148,000 | 366,000 | 365,000 | 367,000 |
| Securities available for sale | 827,000 | 515,000 | 515,000 | 2,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,608,000 | 14,535,000 | 13,441,000 | 13,470,000 |
| Interest-bearing deposits | 12,217,000 | 11,761,000 | 11,080,000 | 10,238,000 |
| Noninterest-bearing deposits | 3,391,000 | 2,774,000 | 2,361,000 | 3,232,000 |
| Equity capital | 420,000 | 1,664,000 | 1,780,000 | 1,700,000 |
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 | 145,000 | 246,000 | 373,000 | 510,000 |
| Interest expense | 26,000 | 52,000 | 74,000 | 111,000 |
| Net interest income | 119,000 | 194,000 | 299,000 | 399,000 |
| Noninterest income | 39,000 | 43,000 | 50,000 | 56,000 |
| Noninterest expense | 121,000 | 244,000 | 342,000 | 516,000 |
| Provision for loan losses | 0 | 315,000 | 315,000 | 315,000 |
| Pretax income | 37,000 | -322,000 | -308,000 | -376,000 |
| Income tax | 12,000 | 5,000 | -93,000 | -84,000 |
| Net income | 25,000 | -327,000 | -215,000 | -292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 404,000 | 1,653,000 | 1,769,000 | 1,688,000 |
| Total capital | 520,000 | 1,772,000 | 1,907,000 | 1,843,000 |
| Risk-weighted assets | 9,269,000 | 9,262,000 | 10,838,000 | 11,904,000 |