Call reports 2005
COMMUNITY STATE BANK — 2005
What COMMUNITY 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 | 233,184,000 | 237,541,000 | 241,963,000 | 244,329,000 |
| Total loans | 182,341,000 | 189,743,000 | 194,319,000 | 199,159,000 |
| Allowance for loan losses | 3,510,000 | 3,465,000 | 3,469,000 | 3,399,000 |
| Securities available for sale | 14,743,000 | 14,978,000 | 15,780,000 | 15,437,000 |
| Securities held to maturity | 7,333,000 | 7,326,000 | 7,319,000 | 7,113,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,841,000 | 198,767,000 | 197,537,000 | 202,514,000 |
| Interest-bearing deposits | 154,461,000 | 155,050,000 | 149,694,000 | 151,187,000 |
| Noninterest-bearing deposits | 41,380,000 | 43,717,000 | 47,843,000 | 51,327,000 |
| Equity capital | 23,959,000 | 25,149,000 | 25,805,000 | 24,620,000 |
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 | 3,474,000 | 7,246,000 | 10,969,000 | 14,804,000 |
| Interest expense | 629,000 | 1,351,000 | 2,136,000 | 3,004,000 |
| Net interest income | 2,845,000 | 5,895,000 | 8,833,000 | 11,800,000 |
| Noninterest income | 631,000 | 1,228,000 | 1,930,000 | 2,512,000 |
| Noninterest expense | 2,059,000 | 4,160,000 | 6,302,000 | 8,575,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,417,000 | 2,963,000 | 4,461,000 | 5,737,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 10,000 |
| Net income | 1,415,000 | 2,958,000 | 4,454,000 | 5,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,255,000 | 25,253,000 | 25,964,000 | 24,937,000 |
| Total capital | 26,589,000 | 27,663,000 | 28,410,000 | 27,426,000 |
| Risk-weighted assets | 185,528,000 | 191,721,000 | 194,636,000 | 198,244,000 |
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