Call reports 2005
CENTRAL STATE BANK — 2005
What CENTRAL STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 134,739,000 | 130,304,000 | 134,654,000 | 142,930,000 |
| Total loans | 93,888,000 | 93,646,000 | 97,596,000 | 106,557,000 |
| Allowance for loan losses | 553,000 | 584,000 | 633,000 | 732,000 |
| Securities available for sale | 11,435,000 | 11,644,000 | 11,074,000 | 11,664,000 |
| Securities held to maturity | 10,710,000 | 10,239,000 | 10,233,000 | 10,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,729,000 | 109,715,000 | 113,834,000 | 122,258,000 |
| Interest-bearing deposits | 93,378,000 | 92,312,000 | 92,908,000 | 100,124,000 |
| Noninterest-bearing deposits | 21,351,000 | 17,404,000 | 20,925,000 | 22,134,000 |
| Equity capital | 16,918,000 | 17,504,000 | 17,651,000 | 16,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,982,000 | 4,130,000 | 6,360,000 | 8,727,000 |
| Interest expense | 570,000 | 1,148,000 | 1,805,000 | 2,544,000 |
| Net interest income | 1,412,000 | 2,982,000 | 4,555,000 | 6,183,000 |
| Noninterest income | 211,000 | 450,000 | 698,000 | 862,000 |
| Noninterest expense | 1,051,000 | 2,323,000 | 3,521,000 | 4,793,000 |
| Provision for loan losses | 30,000 | 48,000 | 102,000 | 225,000 |
| Pretax income | 542,000 | 1,061,000 | 1,630,000 | 2,027,000 |
| Income tax | 29,000 | 60,000 | 76,000 | 102,000 |
| Net income | 513,000 | 1,001,000 | 1,554,000 | 1,925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,879,000 | 17,181,000 | 17,597,000 | 16,412,000 |
| Total capital | 17,432,000 | 17,765,000 | 18,230,000 | 17,144,000 |
| Risk-weighted assets | 104,223,000 | 104,857,000 | 109,534,000 | 119,368,000 |
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