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 | 54,618,000 | 53,264,000 | 52,637,000 | 52,984,000 |
| Total loans | 29,157,000 | 29,748,000 | 30,469,000 | 29,725,000 |
| Allowance for loan losses | 400,000 | 401,000 | 414,000 | 415,000 |
| Securities available for sale | 17,257,000 | 19,674,000 | 19,299,000 | 18,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,492,000 | 43,424,000 | 42,545,000 | 42,992,000 |
| Interest-bearing deposits | 39,327,000 | 38,496,000 | 37,537,000 | 38,585,000 |
| Noninterest-bearing deposits | 5,165,000 | 4,928,000 | 5,008,000 | 4,407,000 |
| Equity capital | 5,209,000 | 5,299,000 | 5,528,000 | 5,526,000 |
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 | 707,000 | 1,487,000 | 2,291,000 | 3,111,000 |
| Interest expense | 374,000 | 784,000 | 1,198,000 | 1,622,000 |
| Net interest income | 333,000 | 703,000 | 1,093,000 | 1,489,000 |
| Noninterest income | 77,000 | 151,000 | 227,000 | 314,000 |
| Noninterest expense | 236,000 | 486,000 | 725,000 | 1,195,000 |
| Provision for loan losses | 1,000 | 10,000 | 11,000 | 52,000 |
| Pretax income | 173,000 | 358,000 | 584,000 | 556,000 |
| Income tax | 50,000 | 107,000 | 181,000 | 178,000 |
| Net income | 123,000 | 251,000 | 403,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,297,000 | 5,425,000 | 5,577,000 | 5,552,000 |
| Total capital | 5,679,000 | 5,804,000 | 5,960,000 | 5,930,000 |
| Risk-weighted assets | 30,513,000 | 30,295,000 | 30,640,000 | 30,179,000 |