Call reports 2005
CITY STATE BANK — 2005
What CITY 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 | 133,928,000 | 141,892,000 | 141,367,000 | 150,354,000 |
| Total loans | 97,403,000 | 102,562,000 | 111,633,000 | 114,363,000 |
| Allowance for loan losses | 1,048,000 | 1,060,000 | 1,184,000 | 1,200,000 |
| Securities available for sale | 4,717,000 | 6,517,000 | 6,776,000 | 6,737,000 |
| Securities held to maturity | 3,608,000 | 2,762,000 | 2,762,000 | 2,707,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,906,000 | 127,204,000 | 123,809,000 | 132,416,000 |
| Interest-bearing deposits | 98,264,000 | 103,918,000 | 100,310,000 | 107,003,000 |
| Noninterest-bearing deposits | 21,642,000 | 23,286,000 | 23,499,000 | 25,413,000 |
| Equity capital | 12,110,000 | 12,714,000 | 13,313,000 | 13,180,000 |
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 | 1,701,000 | 3,510,000 | 5,563,000 | 7,772,000 |
| Interest expense | 475,000 | 1,034,000 | 1,660,000 | 2,438,000 |
| Net interest income | 1,226,000 | 2,476,000 | 3,903,000 | 5,334,000 |
| Noninterest income | 265,000 | 601,000 | 977,000 | 1,332,000 |
| Noninterest expense | 942,000 | 1,916,000 | 2,928,000 | 4,075,000 |
| Provision for loan losses | 0 | 12,000 | 137,000 | 153,000 |
| Pretax income | 549,000 | 1,149,000 | 1,815,000 | 2,438,000 |
| Income tax | 28,000 | 57,000 | 91,000 | 124,000 |
| Net income | 521,000 | 1,092,000 | 1,724,000 | 2,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,340,000 | 11,911,000 | 12,543,000 | 12,433,000 |
| Total capital | 12,388,000 | 12,971,000 | 13,727,000 | 13,633,000 |
| Risk-weighted assets | 101,181,000 | 106,806,000 | 114,576,000 | 117,629,000 |