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 | 72,985,000 | 76,627,000 | 80,203,000 | 81,531,000 |
| Total loans | 60,715,000 | 64,069,000 | 67,976,000 | 67,830,000 |
| Allowance for loan losses | 910,000 | 910,000 | 969,000 | 963,000 |
| Securities available for sale | 9,546,000 | 9,143,000 | 8,550,000 | 8,385,000 |
| Securities held to maturity | 125,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,524,000 | 64,679,000 | 65,029,000 | 66,077,000 |
| Interest-bearing deposits | 56,024,000 | 57,739,000 | 58,458,000 | 59,648,000 |
| Noninterest-bearing deposits | 6,500,000 | 6,941,000 | 6,571,000 | 6,429,000 |
| Equity capital | 7,459,000 | 7,704,000 | 7,620,000 | 7,939,000 |
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 | 1,228,000 | 2,558,000 | 3,911,000 | 5,327,000 |
| Interest expense | 347,000 | 738,000 | 1,188,000 | 1,705,000 |
| Net interest income | 881,000 | 1,820,000 | 2,723,000 | 3,622,000 |
| Noninterest income | 137,000 | 340,000 | 561,000 | 702,000 |
| Noninterest expense | 448,000 | 968,000 | 1,405,000 | 1,986,000 |
| Provision for loan losses | 44,000 | 133,000 | 668,000 | 753,000 |
| Pretax income | 526,000 | 1,059,000 | 1,211,000 | 1,585,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 526,000 | 1,059,000 | 1,211,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,437,000 | 7,670,000 | 7,620,000 | 7,996,000 |
| Total capital | 8,229,000 | 8,521,000 | 8,515,000 | 8,918,000 |
| Risk-weighted assets | 63,230,000 | 68,019,000 | 71,489,000 | 73,830,000 |