Call reports 2012
COMMUNITY STATE BANK — 2012
What COMMUNITY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 53,696,000 | 51,907,000 | 52,936,000 | 56,224,000 |
| Total loans | 33,428,000 | 34,260,000 | 35,302,000 | 35,758,000 |
| Allowance for loan losses | 285,000 | 306,000 | 329,000 | 650,000 |
| Securities available for sale | 1,241,000 | 1,173,000 | 868,000 | 566,000 |
| Securities held to maturity | 5,704,000 | 8,410,000 | 8,932,000 | 10,882,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,854,000 | 43,948,000 | 44,758,000 | 48,270,000 |
| Interest-bearing deposits | 39,190,000 | 37,794,000 | 38,515,000 | 40,680,000 |
| Noninterest-bearing deposits | 6,664,000 | 6,154,000 | 6,243,000 | 7,590,000 |
| Equity capital | 7,269,000 | 7,400,000 | 7,544,000 | 7,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,159,000 | 1,768,000 | 2,327,000 |
| Interest expense | 107,000 | 210,000 | 313,000 | 422,000 |
| Net interest income | 461,000 | 949,000 | 1,455,000 | 1,905,000 |
| Noninterest income | 29,000 | 60,000 | 94,000 | 132,000 |
| Noninterest expense | 297,000 | 598,000 | 891,000 | 1,132,000 |
| Provision for loan losses | 23,000 | 53,000 | 83,000 | 411,000 |
| Pretax income | 170,000 | 358,000 | 575,000 | 494,000 |
| Income tax | 49,000 | 105,000 | 179,000 | 259,000 |
| Net income | 121,000 | 253,000 | 396,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,564,000 | 7,697,000 | 7,839,000 | 7,444,000 |
| Total capital | 7,849,000 | 8,003,000 | 8,168,000 | 7,914,000 |
| Risk-weighted assets | 33,327,000 | 34,228,000 | 34,610,000 | 37,453,000 |