Call reports 2006
COMMUNITY STATE BANK OF ORBISONIA — 2006
What COMMUNITY STATE BANK OF ORBISONIA 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 | 187,604,000 | 192,790,000 | 192,359,000 | 191,676,000 |
| Total loans | 161,971,000 | 162,949,000 | 166,630,000 | 168,628,000 |
| Allowance for loan losses | 1,299,000 | 1,343,000 | 1,418,000 | 1,432,000 |
| Securities available for sale | 7,518,000 | 7,456,000 | 8,263,000 | 7,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,125,000 | 174,840,000 | 173,742,000 | 173,378,000 |
| Interest-bearing deposits | 158,909,000 | 163,931,000 | 163,364,000 | 162,633,000 |
| Noninterest-bearing deposits | 11,216,000 | 10,909,000 | 10,378,000 | 10,745,000 |
| Equity capital | 17,068,000 | 17,286,000 | 17,692,000 | 17,900,000 |
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 | 2,959,000 | 6,065,000 | 9,313,000 | 12,613,000 |
| Interest expense | 1,178,000 | 2,455,000 | 3,837,000 | 5,239,000 |
| Net interest income | 1,781,000 | 3,610,000 | 5,476,000 | 7,374,000 |
| Noninterest income | 191,000 | 416,000 | 650,000 | 863,000 |
| Noninterest expense | 1,313,000 | 2,522,000 | 3,830,000 | 5,159,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 554,000 | 1,294,000 | 1,981,000 | 2,658,000 |
| Income tax | 147,000 | 392,000 | 617,000 | 805,000 |
| Net income | 407,000 | 902,000 | 1,364,000 | 1,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,193,000 | 17,451,000 | 17,787,000 | 17,982,000 |
| Total capital | 18,492,000 | 18,794,000 | 19,205,000 | 19,414,000 |
| Risk-weighted assets | 125,869,000 | 128,386,000 | 129,172,000 | 129,191,000 |