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 | 61,993,000 | 61,118,000 | 59,573,000 | 59,646,000 |
| Total loans | 33,692,000 | 34,319,000 | 36,363,000 | 36,758,000 |
| Allowance for loan losses | 683,000 | 280,000 | 313,000 | 340,000 |
| Securities available for sale | 512,000 | 13,123,000 | 13,141,000 | 13,336,000 |
| Securities held to maturity | 11,626,000 | 0 | 509,000 | 497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,200,000 | 53,458,000 | 51,807,000 | 51,777,000 |
| Interest-bearing deposits | 45,863,000 | 44,946,000 | 43,296,000 | 42,028,000 |
| Noninterest-bearing deposits | 8,337,000 | 8,512,000 | 8,511,000 | 9,749,000 |
| Equity capital | 7,254,000 | 7,199,000 | 7,271,000 | 7,276,000 |
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 | 586,000 | 1,179,000 | 1,796,000 | 2,434,000 |
| Interest expense | 115,000 | 229,000 | 334,000 | 440,000 |
| Net interest income | 471,000 | 950,000 | 1,462,000 | 1,994,000 |
| Noninterest income | 32,000 | 69,000 | 109,000 | 143,000 |
| Noninterest expense | 311,000 | 590,000 | 888,000 | 1,138,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 145,000 |
| Pretax income | 162,000 | 369,000 | 596,000 | 857,000 |
| Income tax | 54,000 | 135,000 | 220,000 | 331,000 |
| Net income | 108,000 | 234,000 | 376,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,550,000 | 7,677,000 | 7,820,000 | 7,732,000 |
| Total capital | 8,025,000 | 7,957,000 | 8,133,000 | 8,072,000 |
| Risk-weighted assets | 37,753,000 | 35,661,000 | 36,531,000 | 36,756,000 |