Call reports 2007
COMMUNITY STATE BANK OF ORBISONIA — 2007
What COMMUNITY STATE BANK OF ORBISONIA 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 | 197,080,000 | 200,877,000 | 204,449,000 | 204,568,000 |
| Total loans | 169,498,000 | 171,960,000 | 175,199,000 | 178,666,000 |
| Allowance for loan losses | 1,498,000 | 1,570,000 | 1,646,000 | 1,667,000 |
| Securities available for sale | 8,029,000 | 8,461,000 | 8,229,000 | 8,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,367,000 | 181,083,000 | 184,222,000 | 185,208,000 |
| Interest-bearing deposits | 168,108,000 | 170,816,000 | 172,744,000 | 174,610,000 |
| Noninterest-bearing deposits | 10,259,000 | 10,267,000 | 11,478,000 | 10,598,000 |
| Equity capital | 18,105,000 | 18,548,000 | 18,947,000 | 18,959,000 |
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 | 3,219,000 | 6,606,000 | 10,068,000 | 13,588,000 |
| Interest expense | 1,410,000 | 2,892,000 | 4,426,000 | 6,005,000 |
| Net interest income | 1,809,000 | 3,714,000 | 5,642,000 | 7,583,000 |
| Noninterest income | 215,000 | 466,000 | 723,000 | 975,000 |
| Noninterest expense | 1,303,000 | 2,531,000 | 3,936,000 | 5,480,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 616,000 | 1,439,000 | 2,114,000 | 2,658,000 |
| Income tax | 204,000 | 463,000 | 664,000 | 801,000 |
| Net income | 412,000 | 976,000 | 1,450,000 | 1,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,177,000 | 18,623,000 | 18,979,000 | 18,956,000 |
| Total capital | 19,675,000 | 20,193,000 | 20,625,000 | 20,623,000 |
| Risk-weighted assets | 131,444,000 | 135,020,000 | 137,365,000 | 137,970,000 |