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 | 90,492,000 | 92,274,000 | 92,737,000 | 97,787,000 |
| Total loans | 64,044,000 | 65,804,000 | 63,632,000 | 58,488,000 |
| Allowance for loan losses | 801,000 | 793,000 | 804,000 | 802,000 |
| Securities available for sale | 10,812,000 | 12,421,000 | 11,962,000 | 13,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,858,000 | 79,075,000 | 79,526,000 | 84,907,000 |
| Interest-bearing deposits | 66,067,000 | 66,447,000 | 66,889,000 | 68,262,000 |
| Noninterest-bearing deposits | 12,791,000 | 12,628,000 | 12,637,000 | 16,645,000 |
| Equity capital | 7,915,000 | 8,200,000 | 8,505,000 | 8,496,000 |
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 | 1,064,000 | 2,143,000 | 3,215,000 | 4,220,000 |
| Interest expense | 238,000 | 475,000 | 683,000 | 885,000 |
| Net interest income | 826,000 | 1,668,000 | 2,532,000 | 3,335,000 |
| Noninterest income | 299,000 | 635,000 | 1,012,000 | 1,401,000 |
| Noninterest expense | 741,000 | 1,467,000 | 2,199,000 | 2,859,000 |
| Provision for loan losses | 685,000 | 690,000 | 705,000 | 720,000 |
| Pretax income | -301,000 | 146,000 | 640,000 | 1,157,000 |
| Income tax | -131,000 | 23,000 | 208,000 | 407,000 |
| Net income | -170,000 | 123,000 | 432,000 | 750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,694,000 | 7,994,000 | 8,213,000 | 8,338,000 |
| Total capital | 8,463,000 | 8,787,000 | 9,017,000 | 9,140,000 |
| Risk-weighted assets | 61,522,000 | 67,110,000 | 64,585,000 | 64,205,000 |