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 | 133,213,000 | 132,983,000 | 133,311,000 | 133,720,000 |
| Total loans | 80,936,000 | 81,729,000 | 81,578,000 | 80,791,000 |
| Allowance for loan losses | 900,000 | 867,000 | 852,000 | 790,000 |
| Securities available for sale | 6,391,000 | 6,899,000 | 6,132,000 | 6,059,000 |
| Securities held to maturity | 31,841,000 | 34,899,000 | 33,863,000 | 33,933,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,695,000 | 117,178,000 | 116,845,000 | 117,448,000 |
| Interest-bearing deposits | 109,096,000 | 107,482,000 | 107,919,000 | 108,116,000 |
| Noninterest-bearing deposits | 8,599,000 | 9,696,000 | 8,926,000 | 9,332,000 |
| Equity capital | 14,891,000 | 15,115,000 | 15,442,000 | 15,465,000 |
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 | 1,715,000 | 3,511,000 | 5,330,000 | 7,170,000 |
| Interest expense | 420,000 | 858,000 | 1,327,000 | 1,842,000 |
| Net interest income | 1,295,000 | 2,653,000 | 4,003,000 | 5,328,000 |
| Noninterest income | 221,000 | 444,000 | 709,000 | 934,000 |
| Noninterest expense | 1,234,000 | 2,475,000 | 3,575,000 | 4,869,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 145,000 |
| Pretax income | 252,000 | 562,000 | 1,047,000 | 1,270,000 |
| Income tax | 67,000 | 147,000 | 283,000 | 267,000 |
| Net income | 185,000 | 415,000 | 764,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,676,000 | 14,908,000 | 15,264,000 | 15,330,000 |
| Total capital | 15,576,000 | 15,775,000 | 16,116,000 | 16,120,000 |
| Risk-weighted assets | 84,596,000 | 88,145,000 | 85,321,000 | 85,464,000 |