Call reports 2007
COMMUNITY STATE BANK — 2007
What COMMUNITY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 27,686,000 | 26,669,000 | 27,856,000 | 28,120,000 |
| Total loans | 12,600,000 | 12,517,000 | 13,730,000 | 14,666,000 |
| Allowance for loan losses | 283,000 | 283,000 | 283,000 | 283,000 |
| Securities available for sale | 10,439,000 | 10,735,000 | 10,873,000 | 11,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,255,000 | 22,268,000 | 23,209,000 | 23,481,000 |
| Interest-bearing deposits | 20,342,000 | 19,919,000 | 20,740,000 | 20,616,000 |
| Noninterest-bearing deposits | 2,913,000 | 2,349,000 | 2,469,000 | 2,865,000 |
| Equity capital | 4,225,000 | 4,223,000 | 4,381,000 | 4,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 375,000 | 775,000 | 1,190,000 | 1,624,000 |
| Interest expense | 172,000 | 349,000 | 535,000 | 723,000 |
| Net interest income | 203,000 | 426,000 | 655,000 | 901,000 |
| Noninterest income | 4,000 | 23,000 | 30,000 | 40,000 |
| Noninterest expense | 164,000 | 305,000 | 441,000 | 627,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 117,000 | 217,000 | 287,000 |
| Income tax | -6,000 | 6,000 | 32,000 | 42,000 |
| Net income | 22,000 | 111,000 | 185,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,188,000 | 4,277,000 | 4,351,000 | 4,381,000 |
| Total capital | 4,407,000 | 4,489,000 | 4,576,000 | 4,618,000 |
| Risk-weighted assets | 17,887,000 | 16,904,000 | 18,443,000 | 19,572,000 |