Call reports 2007
COMMUNITY STATE BANK — 2007
What COMMUNITY 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 | 641,307,000 | 648,415,000 | 684,710,000 | 710,635,000 |
| Total loans | 449,072,000 | 460,111,000 | 476,356,000 | 495,102,000 |
| Allowance for loan losses | 2,855,000 | 2,701,000 | 3,437,000 | 3,406,000 |
| Securities available for sale | 146,399,000 | 138,920,000 | 160,789,000 | 158,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,213,000 | 440,988,000 | 441,972,000 | 470,931,000 |
| Interest-bearing deposits | 406,645,000 | 403,644,000 | 402,882,000 | 430,390,000 |
| Noninterest-bearing deposits | 36,568,000 | 37,344,000 | 39,090,000 | 40,541,000 |
| Equity capital | 55,262,000 | 55,188,000 | 57,628,000 | 59,681,000 |
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 | 9,633,000 | 19,769,000 | 30,535,000 | 41,146,000 |
| Interest expense | 5,070,000 | 10,431,000 | 16,306,000 | 21,810,000 |
| Net interest income | 4,563,000 | 9,338,000 | 14,229,000 | 19,336,000 |
| Noninterest income | 1,562,000 | 3,099,000 | 5,005,000 | 6,609,000 |
| Noninterest expense | 4,234,000 | 8,562,000 | 12,897,000 | 17,517,000 |
| Provision for loan losses | 140,000 | 210,000 | 510,000 | 510,000 |
| Pretax income | 1,751,000 | 3,665,000 | 5,827,000 | 7,918,000 |
| Income tax | 593,000 | 1,252,000 | 1,997,000 | 2,699,000 |
| Net income | 1,158,000 | 2,413,000 | 3,830,000 | 5,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,047,000 | 52,312,000 | 53,738,000 | 55,136,000 |
| Total capital | 53,903,000 | 55,133,000 | 57,295,000 | 58,692,000 |
| Risk-weighted assets | 469,446,000 | 479,528,000 | 496,215,000 | 508,877,000 |