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 | 136,485,000 | 131,856,000 | 137,294,000 | 186,577,000 |
| Total loans | 80,699,000 | 82,867,000 | 82,767,000 | 119,006,000 |
| Allowance for loan losses | 715,000 | 765,000 | 401,000 | 989,000 |
| Securities available for sale | 7,181,000 | 7,165,000 | 9,510,000 | 5,872,000 |
| Securities held to maturity | 32,417,000 | 30,436,000 | 27,970,000 | 37,120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,711,000 | 114,875,000 | 120,085,000 | 168,923,000 |
| Interest-bearing deposits | 111,212,000 | 106,176,000 | 109,335,000 | 149,363,000 |
| Noninterest-bearing deposits | 8,499,000 | 8,699,000 | 10,750,000 | 19,560,000 |
| Equity capital | 15,954,000 | 15,933,000 | 15,978,000 | 16,328,000 |
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 | 2,013,000 | 4,005,000 | 6,010,000 | 8,325,000 |
| Interest expense | 685,000 | 1,362,000 | 2,038,000 | 2,750,000 |
| Net interest income | 1,328,000 | 2,643,000 | 3,972,000 | 5,575,000 |
| Noninterest income | 209,000 | 449,000 | 673,000 | 868,000 |
| Noninterest expense | 1,158,000 | 2,433,000 | 3,667,000 | 4,995,000 |
| Provision for loan losses | 30,000 | 135,000 | 240,000 | 445,000 |
| Pretax income | 349,000 | 524,000 | 738,000 | 1,003,000 |
| Income tax | 83,000 | 106,000 | 143,000 | 206,000 |
| Net income | 266,000 | 418,000 | 595,000 | 797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,830,000 | 15,827,000 | 15,851,000 | 10,683,000 |
| Total capital | 16,545,000 | 16,592,000 | 16,252,000 | 11,672,000 |
| Risk-weighted assets | 85,768,000 | 86,608,000 | 89,429,000 | 116,413,000 |