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 | 26,605,000 | 26,250,000 | 26,387,000 | 25,946,000 |
| Total loans | 11,558,000 | 12,222,000 | 13,430,000 | 13,749,000 |
| Allowance for loan losses | 283,000 | 283,000 | 283,000 | 282,000 |
| Securities available for sale | 1,831,000 | 1,656,000 | 1,655,000 | 1,648,000 |
| Securities held to maturity | 10,613,000 | 9,686,000 | 9,223,000 | 8,433,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,647,000 | 22,193,000 | 22,268,000 | 21,838,000 |
| Interest-bearing deposits | 19,970,000 | 19,326,000 | 18,715,000 | 19,112,000 |
| Noninterest-bearing deposits | 2,677,000 | 2,867,000 | 3,553,000 | 2,726,000 |
| Equity capital | 3,841,000 | 3,902,000 | 3,951,000 | 3,952,000 |
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 | 295,000 | 594,000 | 906,000 | 1,233,000 |
| Interest expense | 92,000 | 193,000 | 304,000 | 423,000 |
| Net interest income | 203,000 | 401,000 | 602,000 | 810,000 |
| Noninterest income | 4,000 | 18,000 | 24,000 | 32,000 |
| Noninterest expense | 161,000 | 300,000 | 437,000 | 606,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 47,000 | 120,000 | 188,000 | 235,000 |
| Income tax | 12,000 | 32,000 | 51,000 | 63,000 |
| Net income | 35,000 | 88,000 | 137,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,867,000 | 3,920,000 | 3,951,000 | 3,974,000 |
| Total capital | 4,115,000 | 4,166,000 | 4,187,000 | 4,209,000 |
| Risk-weighted assets | 19,799,000 | 19,611,000 | 18,761,000 | 18,311,000 |