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 | 89,695,000 | 91,217,000 | 94,226,000 | 92,998,000 |
| Total loans | 64,375,000 | 66,353,000 | 66,156,000 | 65,516,000 |
| Allowance for loan losses | 877,000 | 911,000 | 994,000 | 854,000 |
| Securities available for sale | 17,110,000 | 15,250,000 | 12,519,000 | 17,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,161,000 | 82,553,000 | 85,268,000 | 84,300,000 |
| Interest-bearing deposits | 70,339,000 | 70,808,000 | 71,137,000 | 72,310,000 |
| Noninterest-bearing deposits | 10,822,000 | 11,745,000 | 14,131,000 | 11,990,000 |
| Equity capital | 7,716,000 | 7,805,000 | 7,948,000 | 7,923,000 |
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 | 1,159,000 | 2,317,000 | 3,465,000 | 4,597,000 |
| Interest expense | 254,000 | 501,000 | 747,000 | 976,000 |
| Net interest income | 905,000 | 1,816,000 | 2,718,000 | 3,621,000 |
| Noninterest income | 94,000 | 188,000 | 301,000 | 402,000 |
| Noninterest expense | 623,000 | 1,249,000 | 1,910,000 | 2,598,000 |
| Provision for loan losses | 90,000 | 215,000 | 305,000 | 465,000 |
| Pretax income | 303,000 | 609,000 | 878,000 | 1,034,000 |
| Income tax | 101,000 | 208,000 | 299,000 | 342,000 |
| Net income | 202,000 | 401,000 | 579,000 | 692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,987,000 | 7,099,000 | 7,230,000 | 7,352,000 |
| Total capital | 7,767,000 | 7,916,000 | 8,045,000 | 8,160,000 |
| Risk-weighted assets | 63,642,000 | 65,272,000 | 64,426,000 | 64,655,000 |