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 | 42,812,000 | 45,534,000 | 44,600,000 | 44,066,000 |
| Total loans | 26,966,000 | 29,156,000 | 27,180,000 | 27,514,000 |
| Allowance for loan losses | 423,000 | 420,000 | 351,000 | 353,000 |
| Securities available for sale | 11,922,000 | 12,339,000 | 12,375,000 | 12,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,413,000 | 40,802,000 | 39,841,000 | 37,295,000 |
| Interest-bearing deposits | 29,286,000 | 31,157,000 | 29,783,000 | 27,570,000 |
| Noninterest-bearing deposits | 9,127,000 | 9,645,000 | 10,058,000 | 9,725,000 |
| Equity capital | 3,929,000 | 4,187,000 | 4,136,000 | 3,837,000 |
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 | 590,000 | 1,307,000 | 1,968,000 | 2,617,000 |
| Interest expense | 126,000 | 258,000 | 408,000 | 555,000 |
| Net interest income | 464,000 | 1,049,000 | 1,560,000 | 2,062,000 |
| Noninterest income | 144,000 | 299,000 | 457,000 | 608,000 |
| Noninterest expense | 381,000 | 793,000 | 1,240,000 | 1,766,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 227,000 | 555,000 | 777,000 | 904,000 |
| Income tax | 51,000 | 143,000 | 199,000 | 251,000 |
| Net income | 176,000 | 412,000 | 578,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,967,000 | 4,204,000 | 4,185,000 | 3,945,000 |
| Total capital | 4,345,000 | 4,608,000 | 4,536,000 | 4,298,000 |
| Risk-weighted assets | 30,220,000 | 32,333,000 | 30,688,000 | 30,932,000 |
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