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 | 20,549,000 | 22,167,000 | 23,856,000 | 24,875,000 |
| Total loans | 9,003,000 | 9,524,000 | 9,219,000 | 13,201,000 |
| Allowance for loan losses | 237,000 | 195,000 | 200,000 | 198,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,769,000 | 5,137,000 | 4,736,000 | 6,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,400,000 | 19,961,000 | 20,781,000 | 21,656,000 |
| Interest-bearing deposits | 15,224,000 | 16,455,000 | 17,586,000 | 18,107,000 |
| Noninterest-bearing deposits | 3,176,000 | 3,506,000 | 3,195,000 | 3,549,000 |
| Equity capital | 2,101,000 | 2,169,000 | 3,023,000 | 3,187,000 |
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 | 233,000 | 470,000 | 705,000 | 947,000 |
| Interest expense | 55,000 | 113,000 | 172,000 | 240,000 |
| Net interest income | 178,000 | 357,000 | 533,000 | 707,000 |
| Noninterest income | 45,000 | 94,000 | 141,000 | 180,000 |
| Noninterest expense | 129,000 | 269,000 | 395,000 | 542,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 79,000 | 167,000 | 264,000 | 330,000 |
| Income tax | 20,000 | 40,000 | 60,000 | 65,000 |
| Net income | 59,000 | 127,000 | 204,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,101,000 | 2,169,000 | 2,453,000 | 2,514,000 |
| Total capital | 2,230,000 | 2,309,000 | 2,578,000 | 2,694,000 |
| Risk-weighted assets | 10,184,000 | 11,160,000 | 11,024,000 | 14,393,000 |