Call reports 2007
CENTRAL STATE BANK — 2007
What CENTRAL STATE BANK 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 | 60,887,000 | 59,610,000 | 66,799,000 | 62,837,000 |
| Total loans | 43,526,000 | 42,805,000 | 43,177,000 | 42,804,000 |
| Allowance for loan losses | 454,000 | 445,000 | 456,000 | 447,000 |
| Securities available for sale | 10,125,000 | 9,404,000 | 9,448,000 | 7,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,011,000 | 48,862,000 | 56,247,000 | 52,401,000 |
| Interest-bearing deposits | 43,759,000 | 40,827,000 | 47,860,000 | 43,605,000 |
| Noninterest-bearing deposits | 7,252,000 | 8,034,000 | 8,387,000 | 8,796,000 |
| Equity capital | 8,983,000 | 9,131,000 | 9,354,000 | 9,541,000 |
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 | 1,021,000 | 2,047,000 | 3,116,000 | 4,165,000 |
| Interest expense | 368,000 | 729,000 | 1,112,000 | 1,490,000 |
| Net interest income | 653,000 | 1,318,000 | 2,004,000 | 2,675,000 |
| Noninterest income | 141,000 | 263,000 | 396,000 | 549,000 |
| Noninterest expense | 545,000 | 1,071,000 | 1,612,000 | 2,169,000 |
| Provision for loan losses | 0 | 7,000 | 17,000 | 37,000 |
| Pretax income | 249,000 | 503,000 | 771,000 | 1,018,000 |
| Income tax | 79,000 | 157,000 | 238,000 | 312,000 |
| Net income | 170,000 | 346,000 | 533,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,792,000 | 8,981,000 | 9,180,000 | 9,366,000 |
| Total capital | 9,246,000 | 9,426,000 | 9,636,000 | 9,813,000 |
| Risk-weighted assets | 47,223,000 | 46,772,000 | 48,359,000 | 46,968,000 |