Call reports 2013
COMMUNITY STATE BANK — 2013
What COMMUNITY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 112,676,000 | 107,520,000 | 106,860,000 | 110,175,000 |
| Total loans | 61,825,000 | 64,605,000 | 68,105,000 | 69,999,000 |
| Allowance for loan losses | 1,091,000 | 1,004,000 | 998,000 | 995,000 |
| Securities available for sale | 41,376,000 | 35,785,000 | 32,227,000 | 31,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,384,000 | 97,979,000 | 95,160,000 | 100,106,000 |
| Interest-bearing deposits | 78,983,000 | 77,865,000 | 76,424,000 | 78,707,000 |
| Noninterest-bearing deposits | 23,401,000 | 20,114,000 | 18,736,000 | 21,399,000 |
| Equity capital | 9,611,000 | 9,257,000 | 9,410,000 | 9,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,002,000 | 2,042,000 | 3,076,000 | 4,147,000 |
| Interest expense | 136,000 | 261,000 | 385,000 | 508,000 |
| Net interest income | 866,000 | 1,781,000 | 2,691,000 | 3,639,000 |
| Noninterest income | 83,000 | 186,000 | 297,000 | 400,000 |
| Noninterest expense | 644,000 | 1,325,000 | 1,988,000 | 2,778,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 303,000 | 652,000 | 1,014,000 | 1,288,000 |
| Income tax | 84,000 | 184,000 | 289,000 | 355,000 |
| Net income | 219,000 | 468,000 | 725,000 | 933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,909,000 | 9,043,000 | 9,299,000 | 9,392,000 |
| Total capital | 9,752,000 | 9,897,000 | 10,181,000 | 10,273,000 |
| Risk-weighted assets | 67,144,000 | 68,209,000 | 70,554,000 | 71,208,000 |