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 | 134,057,000 | 133,633,000 | 137,991,000 | 136,441,000 |
| Total loans | 80,736,000 | 80,169,000 | 80,325,000 | 81,316,000 |
| Allowance for loan losses | 860,000 | 804,000 | 800,000 | 734,000 |
| Securities available for sale | 8,958,000 | 8,917,000 | 7,984,000 | 8,060,000 |
| Securities held to maturity | 32,406,000 | 33,130,000 | 33,750,000 | 33,776,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,149,000 | 117,521,000 | 121,210,000 | 119,461,000 |
| Interest-bearing deposits | 110,623,000 | 108,325,000 | 112,406,000 | 110,507,000 |
| Noninterest-bearing deposits | 7,526,000 | 9,196,000 | 8,804,000 | 8,954,000 |
| Equity capital | 15,520,000 | 15,600,000 | 15,767,000 | 15,835,000 |
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 | 1,900,000 | 3,813,000 | 5,790,000 | 7,808,000 |
| Interest expense | 571,000 | 1,177,000 | 1,835,000 | 2,505,000 |
| Net interest income | 1,329,000 | 2,636,000 | 3,955,000 | 5,303,000 |
| Noninterest income | 217,000 | 432,000 | 665,000 | 903,000 |
| Noninterest expense | 1,156,000 | 2,360,000 | 3,532,000 | 4,886,000 |
| Provision for loan losses | 70,000 | 70,000 | 70,000 | 70,000 |
| Pretax income | 320,000 | 638,000 | 1,018,000 | 1,250,000 |
| Income tax | 104,000 | 156,000 | 252,000 | 274,000 |
| Net income | 216,000 | 482,000 | 766,000 | 976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,400,000 | 15,525,000 | 15,659,000 | 15,717,000 |
| Total capital | 16,260,000 | 16,329,000 | 16,459,000 | 16,451,000 |
| Risk-weighted assets | 86,010,000 | 85,014,000 | 85,352,000 | 85,469,000 |