Call reports 2005
CITY STATE BANK, THE — 2005
What CITY STATE BANK, THE 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 | 29,102,000 | 28,341,000 | 29,025,000 | 29,711,000 |
| Total loans | 17,451,000 | 16,707,000 | 17,432,000 | 17,261,000 |
| Allowance for loan losses | 186,000 | 186,000 | 186,000 | 186,000 |
| Securities available for sale | 487,000 | 494,000 | 489,000 | 488,000 |
| Securities held to maturity | 6,742,000 | 7,422,000 | 7,422,000 | 7,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,471,000 | 25,653,000 | 26,290,000 | 26,957,000 |
| Interest-bearing deposits | 23,417,000 | 22,994,000 | 23,478,000 | 23,255,000 |
| Noninterest-bearing deposits | 3,054,000 | 2,659,000 | 2,812,000 | 3,702,000 |
| Equity capital | 2,568,000 | 2,611,000 | 2,633,000 | 2,671,000 |
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 | 362,000 | 744,000 | 1,142,000 | 1,544,000 |
| Interest expense | 110,000 | 227,000 | 355,000 | 496,000 |
| Net interest income | 252,000 | 517,000 | 787,000 | 1,048,000 |
| Noninterest income | 33,000 | 66,000 | 101,000 | 143,000 |
| Noninterest expense | 208,000 | 417,000 | 636,000 | 845,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 77,000 | 166,000 | 252,000 | 346,000 |
| Income tax | 2,000 | 6,000 | 10,000 | 14,000 |
| Net income | 75,000 | 160,000 | 242,000 | 332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,567,000 | 2,604,000 | 2,631,000 | 2,670,000 |
| Total capital | 2,753,000 | 2,790,000 | 2,817,000 | 2,856,000 |
| Risk-weighted assets | 17,707,000 | 17,613,000 | 18,170,000 | 18,400,000 |