Call reports 2005
CENTRAL STATE BANK — 2005
What CENTRAL STATE 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 | 62,755,000 | 63,082,000 | 67,052,000 | 60,945,000 |
| Total loans | 43,785,000 | 45,251,000 | 44,893,000 | 45,752,000 |
| Allowance for loan losses | 434,000 | 444,000 | 452,000 | 453,000 |
| Securities available for sale | 8,071,000 | 9,159,000 | 9,964,000 | 9,770,000 |
| Securities held to maturity | 3,000 | 3,000 | 3,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,373,000 | 53,085,000 | 56,811,000 | 50,676,000 |
| Interest-bearing deposits | 45,528,000 | 42,607,000 | 45,523,000 | 41,086,000 |
| Noninterest-bearing deposits | 8,845,000 | 10,478,000 | 11,288,000 | 9,591,000 |
| Equity capital | 7,864,000 | 8,083,000 | 8,287,000 | 8,302,000 |
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 | 856,000 | 1,762,000 | 2,707,000 | 3,686,000 |
| Interest expense | 197,000 | 415,000 | 655,000 | 923,000 |
| Net interest income | 659,000 | 1,347,000 | 2,052,000 | 2,763,000 |
| Noninterest income | 133,000 | 289,000 | 430,000 | 568,000 |
| Noninterest expense | 540,000 | 1,079,000 | 1,612,000 | 2,179,000 |
| Provision for loan losses | 2,000 | 13,000 | 22,000 | 33,000 |
| Pretax income | 250,000 | 544,000 | 848,000 | 1,119,000 |
| Income tax | 82,000 | 178,000 | 279,000 | 367,000 |
| Net income | 168,000 | 366,000 | 569,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,557,000 | 7,767,000 | 7,927,000 | 7,937,000 |
| Total capital | 7,991,000 | 8,211,000 | 8,379,000 | 8,390,000 |
| Risk-weighted assets | 47,158,000 | 47,653,000 | 48,918,000 | 47,943,000 |