Call reports 2006
CENTRAL STATE BANK — 2006
What CENTRAL STATE BANK 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 | 62,084,000 | 61,969,000 | 66,685,000 | 60,628,000 |
| Total loans | 44,374,000 | 44,746,000 | 44,830,000 | 42,755,000 |
| Allowance for loan losses | 456,000 | 458,000 | 457,000 | 456,000 |
| Securities available for sale | 9,337,000 | 8,897,000 | 9,022,000 | 8,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,599,000 | 51,970,000 | 55,420,000 | 50,578,000 |
| Interest-bearing deposits | 43,321,000 | 41,802,000 | 45,914,000 | 42,307,000 |
| Noninterest-bearing deposits | 8,278,000 | 10,168,000 | 9,506,000 | 8,271,000 |
| Equity capital | 8,487,000 | 8,676,000 | 8,753,000 | 8,951,000 |
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 | 999,000 | 1,983,000 | 3,038,000 | 4,123,000 |
| Interest expense | 288,000 | 603,000 | 956,000 | 1,321,000 |
| Net interest income | 711,000 | 1,380,000 | 2,082,000 | 2,802,000 |
| Noninterest income | 126,000 | 251,000 | 366,000 | 504,000 |
| Noninterest expense | 560,000 | 1,069,000 | 1,598,000 | 2,190,000 |
| Provision for loan losses | 4,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 273,000 | 556,000 | 844,000 | 1,110,000 |
| Income tax | 90,000 | 181,000 | 276,000 | 358,000 |
| Net income | 183,000 | 375,000 | 568,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,137,000 | 8,407,000 | 8,559,000 | 8,757,000 |
| Total capital | 8,593,000 | 8,865,000 | 9,016,000 | 9,213,000 |
| Risk-weighted assets | 47,099,000 | 46,803,000 | 47,790,000 | 46,076,000 |