Call reports 2006
COMMUNITY STATE BANK, THE — 2006
What COMMUNITY STATE BANK, THE 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 | 120,377,000 | 120,219,000 | 120,659,000 | 122,214,000 |
| Total loans | 91,548,000 | 90,740,000 | 91,011,000 | 90,034,000 |
| Allowance for loan losses | 1,005,000 | 963,000 | 983,000 | 959,000 |
| Securities available for sale | 16,966,000 | 16,825,000 | 16,488,000 | 19,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,001,000 | 107,841,000 | 107,611,000 | 109,224,000 |
| Interest-bearing deposits | 81,370,000 | 80,404,000 | 81,282,000 | 83,461,000 |
| Noninterest-bearing deposits | 25,631,000 | 27,437,000 | 26,329,000 | 25,763,000 |
| Equity capital | 11,677,000 | 11,758,000 | 12,227,000 | 12,511,000 |
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 | 1,962,000 | 4,031,000 | 6,169,000 | 8,315,000 |
| Interest expense | 476,000 | 1,018,000 | 1,619,000 | 2,281,000 |
| Net interest income | 1,486,000 | 3,013,000 | 4,550,000 | 6,034,000 |
| Noninterest income | 245,000 | 412,000 | 651,000 | 854,000 |
| Noninterest expense | 1,299,000 | 2,568,000 | 3,739,000 | 5,038,000 |
| Provision for loan losses | 155,000 | 155,000 | 185,000 | 188,000 |
| Pretax income | 277,000 | 702,000 | 1,277,000 | 1,662,000 |
| Income tax | 125,000 | 214,000 | 515,000 | 599,000 |
| Net income | 152,000 | 488,000 | 762,000 | 1,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,395,000 | 11,660,000 | 11,934,000 | 12,135,000 |
| Total capital | 12,400,000 | 12,623,000 | 12,917,000 | 13,094,000 |
| Risk-weighted assets | 82,656,000 | 83,321,000 | 82,637,000 | 82,055,000 |