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 | 164,943,000 | 171,430,000 | 170,924,000 | 170,309,000 |
| Total loans | 106,747,000 | 105,807,000 | 103,803,000 | 103,375,000 |
| Allowance for loan losses | 1,052,000 | 1,085,000 | 1,111,000 | 1,109,000 |
| Securities available for sale | 21,336,000 | 24,766,000 | 27,381,000 | 35,874,000 |
| Securities held to maturity | 9,399,000 | 9,091,000 | 11,246,000 | 10,879,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,316,000 | 150,312,000 | 149,447,000 | 148,302,000 |
| Interest-bearing deposits | 121,569,000 | 126,821,000 | 126,666,000 | 124,943,000 |
| Noninterest-bearing deposits | 22,747,000 | 23,491,000 | 22,781,000 | 23,359,000 |
| Equity capital | 18,185,000 | 17,754,000 | 18,746,000 | 19,319,000 |
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 | 2,961,000 | 6,016,000 | 9,166,000 | 12,189,000 |
| Interest expense | 1,157,000 | 2,409,000 | 3,715,000 | 4,983,000 |
| Net interest income | 1,804,000 | 3,607,000 | 5,451,000 | 7,206,000 |
| Noninterest income | 263,000 | 527,000 | 798,000 | 1,094,000 |
| Noninterest expense | 1,217,000 | 2,555,000 | 3,925,000 | 5,361,000 |
| Provision for loan losses | 32,000 | 86,000 | 181,000 | 366,000 |
| Pretax income | 818,000 | 1,496,000 | 2,148,000 | 2,578,000 |
| Income tax | 42,000 | 90,000 | 135,000 | 174,000 |
| Net income | 776,000 | 1,406,000 | 2,013,000 | 2,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,143,000 | 18,245,000 | 18,648,000 | 19,015,000 |
| Total capital | 19,195,000 | 19,330,000 | 19,759,000 | 20,124,000 |
| Risk-weighted assets | 125,712,000 | 127,401,000 | 124,249,000 | 125,003,000 |
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