Call reports 2006
CITY STATE BANK, THE — 2006
What CITY STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 29,349,000 | 29,531,000 | 29,893,000 | 29,144,000 |
| Total loans | 17,563,000 | 18,815,000 | 19,141,000 | 19,422,000 |
| Allowance for loan losses | 186,000 | 186,000 | 186,000 | 196,000 |
| Securities available for sale | 485,000 | 286,000 | 291,000 | 292,000 |
| Securities held to maturity | 7,973,000 | 7,691,000 | 7,330,000 | 7,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,595,000 | 26,722,000 | 26,993,000 | 26,048,000 |
| Interest-bearing deposits | 23,311,000 | 23,087,000 | 23,106,000 | 22,690,000 |
| Noninterest-bearing deposits | 3,284,000 | 3,635,000 | 3,887,000 | 3,358,000 |
| Equity capital | 2,678,000 | 2,712,000 | 2,772,000 | 2,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 408,000 | 845,000 | 1,301,000 | 1,781,000 |
| Interest expense | 150,000 | 314,000 | 490,000 | 676,000 |
| Net interest income | 258,000 | 531,000 | 811,000 | 1,105,000 |
| Noninterest income | 44,000 | 86,000 | 137,000 | 179,000 |
| Noninterest expense | 222,000 | 452,000 | 676,000 | 917,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 80,000 | 161,000 | 268,000 | 353,000 |
| Income tax | 3,000 | 6,000 | 11,000 | 7,000 |
| Net income | 77,000 | 155,000 | 257,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,683,000 | 2,717,000 | 2,773,000 | 2,787,000 |
| Total capital | 2,869,000 | 2,903,000 | 2,959,000 | 2,983,000 |
| Risk-weighted assets | 18,470,000 | 19,350,000 | 19,499,000 | 17,733,000 |