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 | 44,272,000 | 43,303,000 | 45,793,000 | 47,356,000 |
| Total loans | 31,787,000 | 33,001,000 | 33,145,000 | 33,435,000 |
| Allowance for loan losses | 303,000 | 323,000 | 336,000 | 310,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 810,000 | 810,000 | 1,019,000 | 2,224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,969,000 | 35,894,000 | 38,302,000 | 39,846,000 |
| Interest-bearing deposits | 31,412,000 | 30,497,000 | 32,839,000 | 34,609,000 |
| Noninterest-bearing deposits | 5,557,000 | 5,397,000 | 5,463,000 | 5,237,000 |
| Equity capital | 6,908,000 | 7,021,000 | 7,130,000 | 6,883,000 |
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 | 564,000 | 1,122,000 | 1,716,000 | 2,255,000 |
| Interest expense | 129,000 | 254,000 | 387,000 | 490,000 |
| Net interest income | 435,000 | 868,000 | 1,329,000 | 1,765,000 |
| Noninterest income | 22,000 | 50,000 | 68,000 | 98,000 |
| Noninterest expense | 232,000 | 499,000 | 777,000 | 1,146,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 202,000 | 374,000 | 552,000 | 627,000 |
| Income tax | 69,000 | 128,000 | 197,000 | 300,000 |
| Net income | 133,000 | 246,000 | 355,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,170,000 | 7,283,000 | 7,393,000 | 7,154,000 |
| Total capital | 7,473,000 | 7,606,000 | 7,729,000 | 7,464,000 |
| Risk-weighted assets | 30,490,000 | 31,384,000 | 31,745,000 | 33,339,000 |