Call reports 2006
COMMUNITY STATE BANK — 2006
What COMMUNITY STATE BANK 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 | 25,894,000 | 25,835,000 | 26,582,000 | 27,443,000 |
| Total loans | 13,056,000 | 14,138,000 | 14,655,000 | 14,554,000 |
| Allowance for loan losses | 282,000 | 282,000 | 283,000 | 283,000 |
| Securities available for sale | 1,651,000 | 1,537,000 | 1,265,000 | 10,986,000 |
| Securities held to maturity | 9,190,000 | 7,295,000 | 7,461,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,727,000 | 21,612,000 | 22,261,000 | 22,084,000 |
| Interest-bearing deposits | 19,036,000 | 18,916,000 | 18,401,000 | 19,231,000 |
| Noninterest-bearing deposits | 2,691,000 | 2,696,000 | 3,860,000 | 2,853,000 |
| Equity capital | 3,994,000 | 4,042,000 | 4,111,000 | 4,135,000 |
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 | 334,000 | 684,000 | 1,061,000 | 1,453,000 |
| Interest expense | 128,000 | 269,000 | 416,000 | 578,000 |
| Net interest income | 206,000 | 415,000 | 645,000 | 875,000 |
| Noninterest income | 6,000 | 21,000 | 26,000 | 37,000 |
| Noninterest expense | 153,000 | 300,000 | 444,000 | 634,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 59,000 | 122,000 | 205,000 | 256,000 |
| Income tax | 17,000 | 32,000 | 54,000 | 62,000 |
| Net income | 42,000 | 90,000 | 151,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,015,000 | 4,062,000 | 4,123,000 | 4,135,000 |
| Total capital | 4,235,000 | 4,288,000 | 4,360,000 | 4,372,000 |
| Risk-weighted assets | 18,175,000 | 18,022,000 | 18,881,000 | 19,530,000 |