Call reports 2005
COMMUNITY STATE BANK — 2005
What COMMUNITY 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 | 528,091,000 | 534,749,000 | 562,410,000 | 573,106,000 |
| Total loans | 310,622,000 | 331,657,000 | 367,124,000 | 374,739,000 |
| Allowance for loan losses | 2,992,000 | 3,170,000 | 3,341,000 | 3,601,000 |
| Securities available for sale | 169,521,000 | 165,138,000 | 156,430,000 | 148,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,045,000 | 352,440,000 | 371,163,000 | 406,918,000 |
| Interest-bearing deposits | 281,649,000 | 283,944,000 | 300,511,000 | 367,243,000 |
| Noninterest-bearing deposits | 67,396,000 | 68,496,000 | 70,652,000 | 39,675,000 |
| Equity capital | 46,130,000 | 48,694,000 | 49,067,000 | 49,937,000 |
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 | 6,243,000 | 13,211,000 | 20,648,000 | 28,780,000 |
| Interest expense | 2,309,000 | 5,022,000 | 8,117,000 | 11,666,000 |
| Net interest income | 3,934,000 | 8,189,000 | 12,531,000 | 17,114,000 |
| Noninterest income | 1,377,000 | 2,822,000 | 4,379,000 | 5,824,000 |
| Noninterest expense | 3,584,000 | 7,177,000 | 10,755,000 | 14,325,000 |
| Provision for loan losses | 150,000 | 400,000 | 600,000 | 900,000 |
| Pretax income | 1,577,000 | 3,434,000 | 5,555,000 | 7,713,000 |
| Income tax | 568,000 | 1,237,000 | 2,006,000 | 2,780,000 |
| Net income | 1,009,000 | 2,197,000 | 3,549,000 | 4,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,193,000 | 43,446,000 | 44,871,000 | 46,328,000 |
| Total capital | 45,186,000 | 46,617,000 | 48,213,000 | 49,930,000 |
| Risk-weighted assets | 335,722,000 | 352,297,000 | 384,038,000 | 390,835,000 |