Call reports 2006
COMMUNITY STATE BANK — 2006
What COMMUNITY 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 | 572,877,000 | 570,972,000 | 587,091,000 | 621,854,000 |
| Total loans | 380,238,000 | 391,270,000 | 401,135,000 | 422,848,000 |
| Allowance for loan losses | 3,723,000 | 3,966,000 | 4,215,000 | 3,451,000 |
| Securities available for sale | 143,617,000 | 137,342,000 | 145,586,000 | 150,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,518,000 | 406,565,000 | 414,826,000 | 439,410,000 |
| Interest-bearing deposits | 371,712,000 | 367,635,000 | 380,811,000 | 404,091,000 |
| Noninterest-bearing deposits | 37,806,000 | 38,930,000 | 34,015,000 | 35,319,000 |
| Equity capital | 51,160,000 | 49,725,000 | 52,686,000 | 53,786,000 |
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 | 8,157,000 | 16,517,000 | 25,340,000 | 34,460,000 |
| Interest expense | 3,668,000 | 7,686,000 | 11,991,000 | 16,833,000 |
| Net interest income | 4,489,000 | 8,831,000 | 13,349,000 | 17,627,000 |
| Noninterest income | 1,554,000 | 3,062,000 | 4,613,000 | 6,037,000 |
| Noninterest expense | 3,451,000 | 7,407,000 | 11,374,000 | 15,500,000 |
| Provision for loan losses | 180,000 | 2,310,000 | 2,780,000 | 2,900,000 |
| Pretax income | 2,412,000 | 2,176,000 | 3,808,000 | 5,264,000 |
| Income tax | 874,000 | 764,000 | 1,331,000 | 1,810,000 |
| Net income | 1,538,000 | 1,412,000 | 2,477,000 | 3,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,922,000 | 47,822,000 | 48,896,000 | 49,880,000 |
| Total capital | 51,646,000 | 51,789,000 | 53,112,000 | 53,332,000 |
| Risk-weighted assets | 393,989,000 | 403,461,000 | 417,742,000 | 446,049,000 |