Call reports 2005
COMMUNITY STATE BANK OF ORBISONIA — 2005
What COMMUNITY STATE BANK OF ORBISONIA 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 | 178,376,000 | 181,761,000 | 185,142,000 | 181,745,000 |
| Total loans | 155,500,000 | 157,517,000 | 159,737,000 | 160,342,000 |
| Allowance for loan losses | 1,175,000 | 1,245,000 | 1,226,000 | 1,221,000 |
| Securities available for sale | 7,242,000 | 7,027,000 | 7,710,000 | 7,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,139,000 | 164,826,000 | 167,796,000 | 164,684,000 |
| Interest-bearing deposits | 151,877,000 | 155,244,000 | 157,319,000 | 154,227,000 |
| Noninterest-bearing deposits | 10,262,000 | 9,582,000 | 10,477,000 | 10,457,000 |
| Equity capital | 15,776,000 | 16,239,000 | 16,445,000 | 16,704,000 |
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 | 2,746,000 | 5,580,000 | 8,525,000 | 11,540,000 |
| Interest expense | 1,021,000 | 2,084,000 | 3,209,000 | 4,370,000 |
| Net interest income | 1,725,000 | 3,496,000 | 5,316,000 | 7,170,000 |
| Noninterest income | 208,000 | 490,000 | 734,000 | 940,000 |
| Noninterest expense | 1,194,000 | 2,381,000 | 3,657,000 | 4,930,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 634,000 | 1,395,000 | 2,078,000 | 2,760,000 |
| Income tax | 203,000 | 438,000 | 633,000 | 840,000 |
| Net income | 431,000 | 957,000 | 1,445,000 | 1,920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,852,000 | 16,259,000 | 16,509,000 | 16,813,000 |
| Total capital | 17,027,000 | 17,504,000 | 17,735,000 | 18,034,000 |
| Risk-weighted assets | 121,185,000 | 123,933,000 | 124,456,000 | 123,033,000 |