Call reports 2007
CENTRAL STATE BANK — 2007
What CENTRAL STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 94,571,000 | 97,429,000 | 103,387,000 | 107,492,000 |
| Total loans | 75,664,000 | 79,558,000 | 83,743,000 | 83,511,000 |
| Allowance for loan losses | 794,000 | 824,000 | 1,075,000 | 1,597,000 |
| Securities available for sale | 14,094,000 | 14,075,000 | 14,578,000 | 15,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,360,000 | 73,906,000 | 74,489,000 | 78,536,000 |
| Interest-bearing deposits | 65,406,000 | 68,103,000 | 68,679,000 | 71,519,000 |
| Noninterest-bearing deposits | 4,954,000 | 5,803,000 | 5,810,000 | 7,017,000 |
| Equity capital | 17,930,000 | 18,190,000 | 18,474,000 | 17,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,640,000 | 3,333,000 | 5,123,000 | 6,820,000 |
| Interest expense | 819,000 | 1,644,000 | 2,473,000 | 3,382,000 |
| Net interest income | 821,000 | 1,689,000 | 2,650,000 | 3,438,000 |
| Noninterest income | 44,000 | 118,000 | 199,000 | 319,000 |
| Noninterest expense | 386,000 | 773,000 | 1,161,000 | 1,561,000 |
| Provision for loan losses | 845,000 | 870,000 | 1,120,000 | 2,342,000 |
| Pretax income | -366,000 | 164,000 | 568,000 | -146,000 |
| Income tax | 27,000 | 6,000 | 33,000 | -8,000 |
| Net income | -393,000 | 158,000 | 535,000 | -138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,934,000 | 18,395,000 | 18,576,000 | 17,729,000 |
| Total capital | 18,728,000 | 19,219,000 | 19,651,000 | 18,868,000 |
| Risk-weighted assets | 82,638,000 | 86,642,000 | 90,668,000 | 90,691,000 |
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