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 | 120,298,000 | 126,732,000 | 131,568,000 | 128,065,000 |
| Total loans | 84,944,000 | 89,031,000 | 91,119,000 | 92,201,000 |
| Allowance for loan losses | 937,000 | 1,019,000 | 1,035,000 | 1,004,000 |
| Securities available for sale | 22,934,000 | 23,343,000 | 23,522,000 | 23,799,000 |
| Securities held to maturity | 1,896,000 | 1,894,000 | 1,842,000 | 1,840,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,146,000 | 96,821,000 | 104,320,000 | 94,572,000 |
| Interest-bearing deposits | 82,028,000 | 84,860,000 | 92,251,000 | 83,851,000 |
| Noninterest-bearing deposits | 11,118,000 | 11,961,000 | 12,069,000 | 10,721,000 |
| Equity capital | 11,445,000 | 11,733,000 | 11,895,000 | 12,208,000 |
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 | 1,703,000 | 3,495,000 | 5,410,000 | 7,360,000 |
| Interest expense | 503,000 | 1,034,000 | 1,658,000 | 2,316,000 |
| Net interest income | 1,200,000 | 2,461,000 | 3,752,000 | 5,044,000 |
| Noninterest income | 253,000 | 537,000 | 820,000 | 1,169,000 |
| Noninterest expense | 1,046,000 | 2,306,000 | 3,502,000 | 4,631,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 75,000 |
| Pretax income | 382,000 | 654,000 | 1,019,000 | 1,501,000 |
| Income tax | 103,000 | 158,000 | 255,000 | 304,000 |
| Net income | 279,000 | 496,000 | 764,000 | 1,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,615,000 | 11,800,000 | 12,036,000 | 12,421,000 |
| Total capital | 12,547,000 | 12,805,000 | 13,054,000 | 13,425,000 |
| Risk-weighted assets | 74,522,000 | 80,416,000 | 83,067,000 | 82,953,000 |
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