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 | 86,102,000 | 86,240,000 | 87,943,000 | 89,204,000 |
| Total loans | 58,943,000 | 57,111,000 | 58,144,000 | 57,770,000 |
| Allowance for loan losses | 807,000 | 829,000 | 844,000 | 856,000 |
| Securities available for sale | 23,777,000 | 24,329,000 | 23,774,000 | 26,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,349,000 | 69,167,000 | 71,357,000 | 72,871,000 |
| Interest-bearing deposits | 56,167,000 | 56,823,000 | 58,930,000 | 59,906,000 |
| Noninterest-bearing deposits | 12,182,000 | 12,344,000 | 12,427,000 | 12,965,000 |
| Equity capital | 7,472,000 | 7,709,000 | 7,617,000 | 7,489,000 |
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 | 1,146,000 | 2,348,000 | 3,570,000 | 4,862,000 |
| Interest expense | 382,000 | 827,000 | 1,320,000 | 1,850,000 |
| Net interest income | 764,000 | 1,521,000 | 2,250,000 | 3,012,000 |
| Noninterest income | 313,000 | 568,000 | 908,000 | 1,203,000 |
| Noninterest expense | 670,000 | 1,331,000 | 2,017,000 | 2,768,000 |
| Provision for loan losses | 14,000 | 31,000 | 42,000 | 53,000 |
| Pretax income | 397,000 | 707,000 | 1,035,000 | 1,330,000 |
| Income tax | 20,000 | 35,000 | 48,000 | 66,000 |
| Net income | 377,000 | 672,000 | 987,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,914,000 | 6,905,000 | 6,890,000 | 6,953,000 |
| Total capital | 7,734,000 | 7,696,000 | 7,694,000 | 7,752,000 |
| Risk-weighted assets | 65,613,000 | 63,246,000 | 64,252,000 | 63,823,000 |
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