Call reports 2005
CHARLEVOIX STATE BANK — 2005
What CHARLEVOIX 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 | 125,088,000 | 130,311,000 | 125,366,000 | 125,719,000 |
| Total loans | 102,518,000 | 104,133,000 | 101,013,000 | 102,722,000 |
| Allowance for loan losses | 1,058,000 | 1,090,000 | 1,083,000 | 1,024,000 |
| Securities available for sale | 13,125,000 | 10,861,000 | 15,179,000 | 15,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,246,000 | 112,014,000 | 107,764,000 | 105,476,000 |
| Interest-bearing deposits | 86,874,000 | 88,388,000 | 84,063,000 | 83,399,000 |
| Noninterest-bearing deposits | 20,372,000 | 23,626,000 | 23,701,000 | 22,077,000 |
| Equity capital | 11,207,000 | 11,608,000 | 12,024,000 | 12,399,000 |
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 | 1,770,000 | 3,657,000 | 5,640,000 | 7,639,000 |
| Interest expense | 458,000 | 981,000 | 1,518,000 | 2,079,000 |
| Net interest income | 1,312,000 | 2,676,000 | 4,122,000 | 5,560,000 |
| Noninterest income | 200,000 | 400,000 | 787,000 | 983,000 |
| Noninterest expense | 947,000 | 1,936,000 | 3,031,000 | 4,037,000 |
| Provision for loan losses | 24,000 | 60,000 | 135,000 | 173,000 |
| Pretax income | 541,000 | 1,080,000 | 1,743,000 | 2,333,000 |
| Income tax | 165,000 | 343,000 | 576,000 | 741,000 |
| Net income | 376,000 | 737,000 | 1,167,000 | 1,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,247,000 | 11,608,000 | 12,039,000 | 12,464,000 |
| Total capital | 12,305,000 | 12,698,000 | 13,122,000 | 13,488,000 |
| Risk-weighted assets | 94,993,000 | 97,427,000 | 94,468,000 | 95,637,000 |
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