Call reports 2005
CMS BANK — 2005
What CMS BANK 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 | 116,193,000 | 115,045,000 | 114,385,000 | 116,054,000 |
| Total loans | 82,880,000 | 82,941,000 | 80,540,000 | 82,791,000 |
| Allowance for loan losses | 185,000 | 191,000 | 238,000 | 216,000 |
| Securities available for sale | 5,368,000 | 3,753,000 | 3,499,000 | 6,282,000 |
| Securities held to maturity | 19,602,000 | 19,573,000 | 19,556,000 | 19,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,345,000 | 104,550,000 | 104,289,000 | 106,325,000 |
| Interest-bearing deposits | 95,378,000 | 93,726,000 | 93,568,000 | 94,606,000 |
| Noninterest-bearing deposits | 10,967,000 | 10,824,000 | 10,721,000 | 11,719,000 |
| Equity capital | 8,772,000 | 8,852,000 | 8,629,000 | 8,558,000 |
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 | 1,310,000 | 2,615,000 | 3,973,000 | 5,373,000 |
| Interest expense | 233,000 | 472,000 | 766,000 | 1,110,000 |
| Net interest income | 1,077,000 | 2,143,000 | 3,207,000 | 4,263,000 |
| Noninterest income | 81,000 | 176,000 | 252,000 | 329,000 |
| Noninterest expense | 1,008,000 | 1,965,000 | 3,097,000 | 4,181,000 |
| Provision for loan losses | 0 | 5,000 | 52,000 | 52,000 |
| Pretax income | 275,000 | 2,136,000 | 1,998,000 | 2,047,000 |
| Income tax | 115,000 | 879,000 | 797,000 | 817,000 |
| Net income | 160,000 | 1,257,000 | 1,201,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,013,000 | 8,796,000 | 8,868,000 | 8,800,000 |
| Total capital | 8,937,000 | 8,994,000 | 9,148,000 | 9,062,000 |
| Risk-weighted assets | 56,345,000 | 54,180,000 | 55,643,000 | 58,612,000 |