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 | 51,094,000 | 49,597,000 | 50,916,000 | 54,156,000 |
| Total loans | 28,256,000 | 29,019,000 | 30,511,000 | 29,325,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 401,000 |
| Securities available for sale | 18,473,000 | 17,993,000 | 16,928,000 | 17,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,539,000 | 38,133,000 | 37,871,000 | 41,876,000 |
| Interest-bearing deposits | 35,856,000 | 33,854,000 | 33,137,000 | 36,777,000 |
| Noninterest-bearing deposits | 4,683,000 | 4,279,000 | 4,734,000 | 5,099,000 |
| Equity capital | 5,088,000 | 5,257,000 | 5,316,000 | 5,292,000 |
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 | 577,000 | 1,194,000 | 1,844,000 | 2,503,000 |
| Interest expense | 246,000 | 507,000 | 810,000 | 1,135,000 |
| Net interest income | 331,000 | 687,000 | 1,034,000 | 1,368,000 |
| Noninterest income | 59,000 | 115,000 | 182,000 | 257,000 |
| Noninterest expense | 221,000 | 454,000 | 682,000 | 1,151,000 |
| Provision for loan losses | 14,000 | 15,000 | 19,000 | 32,000 |
| Pretax income | 155,000 | 333,000 | 515,000 | 442,000 |
| Income tax | 46,000 | 99,000 | 154,000 | 126,000 |
| Net income | 109,000 | 234,000 | 361,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,196,000 | 5,320,000 | 5,448,000 | 5,403,000 |
| Total capital | 5,562,000 | 5,683,000 | 5,832,000 | 5,781,000 |
| Risk-weighted assets | 29,279,000 | 28,999,000 | 30,716,000 | 30,236,000 |