Call reports 2005
COMMUNITY STATE BANK, THE — 2005
What COMMUNITY STATE BANK, THE 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 | 127,375,000 | 127,233,000 | 125,714,000 | 120,171,000 |
| Total loans | 95,504,000 | 93,541,000 | 92,372,000 | 92,523,000 |
| Allowance for loan losses | 990,000 | 892,000 | 975,000 | 853,000 |
| Securities available for sale | 15,683,000 | 17,582,000 | 17,540,000 | 17,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,819,000 | 113,289,000 | 111,636,000 | 106,982,000 |
| Interest-bearing deposits | 88,584,000 | 88,318,000 | 85,381,000 | 80,948,000 |
| Noninterest-bearing deposits | 25,235,000 | 24,971,000 | 26,255,000 | 26,034,000 |
| Equity capital | 11,189,000 | 11,313,000 | 11,447,000 | 11,565,000 |
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 | 1,809,000 | 3,716,000 | 5,666,000 | 7,693,000 |
| Interest expense | 357,000 | 763,000 | 1,193,000 | 1,625,000 |
| Net interest income | 1,452,000 | 2,953,000 | 4,473,000 | 6,068,000 |
| Noninterest income | 220,000 | 369,000 | 568,000 | 788,000 |
| Noninterest expense | 1,169,000 | 2,453,000 | 3,700,000 | 4,888,000 |
| Provision for loan losses | 123,000 | 306,000 | 476,000 | 578,000 |
| Pretax income | 328,000 | 511,000 | 813,000 | 1,338,000 |
| Income tax | 89,000 | 219,000 | 314,000 | 487,000 |
| Net income | 239,000 | 292,000 | 499,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,739,000 | 10,791,000 | 10,997,000 | 11,243,000 |
| Total capital | 11,729,000 | 11,683,000 | 11,972,000 | 12,096,000 |
| Risk-weighted assets | 85,280,000 | 86,494,000 | 84,233,000 | 82,621,000 |