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 | 52,751,000 | 50,812,000 | 49,989,000 | 53,850,000 |
| Total loans | 27,562,000 | 28,463,000 | 29,193,000 | 29,293,000 |
| Allowance for loan losses | 420,000 | 421,000 | 422,000 | 423,000 |
| Securities available for sale | 18,259,000 | 18,115,000 | 18,041,000 | 19,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,893,000 | 40,994,000 | 39,217,000 | 42,556,000 |
| Interest-bearing deposits | 37,147,000 | 35,327,000 | 34,240,000 | 36,609,000 |
| Noninterest-bearing deposits | 5,746,000 | 5,667,000 | 4,977,000 | 5,947,000 |
| Equity capital | 5,429,000 | 5,562,000 | 5,795,000 | 5,883,000 |
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 | 829,000 | 1,658,000 | 2,487,000 | 3,342,000 |
| Interest expense | 434,000 | 848,000 | 1,238,000 | 1,598,000 |
| Net interest income | 395,000 | 810,000 | 1,249,000 | 1,744,000 |
| Noninterest income | 93,000 | 179,000 | 267,000 | 356,000 |
| Noninterest expense | 258,000 | 528,000 | 778,000 | 1,237,000 |
| Provision for loan losses | 32,000 | 32,000 | 32,000 | 53,000 |
| Pretax income | 198,000 | 429,000 | 706,000 | 810,000 |
| Income tax | 63,000 | 138,000 | 233,000 | 282,000 |
| Net income | 135,000 | 291,000 | 473,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,434,000 | 5,589,000 | 5,751,000 | 5,803,000 |
| Total capital | 5,787,000 | 5,945,000 | 6,107,000 | 6,169,000 |
| Risk-weighted assets | 28,138,000 | 28,411,000 | 28,426,000 | 29,221,000 |