Call reports 2007
COMMUNITY STATE BANK, THE — 2007
What COMMUNITY STATE BANK, THE 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 | 125,280,000 | 124,314,000 | 124,932,000 | 126,995,000 |
| Total loans | 91,062,000 | 93,631,000 | 93,541,000 | 97,277,000 |
| Allowance for loan losses | 1,009,000 | 944,000 | 968,000 | 1,025,000 |
| Securities available for sale | 19,970,000 | 20,348,000 | 19,546,000 | 18,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,946,000 | 110,935,000 | 111,606,000 | 109,715,000 |
| Interest-bearing deposits | 85,710,000 | 83,821,000 | 85,023,000 | 83,066,000 |
| Noninterest-bearing deposits | 26,236,000 | 27,114,000 | 26,583,000 | 26,649,000 |
| Equity capital | 12,704,000 | 12,280,000 | 12,689,000 | 13,144,000 |
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 | 2,104,000 | 4,316,000 | 6,540,000 | 8,787,000 |
| Interest expense | 699,000 | 1,430,000 | 2,140,000 | 2,828,000 |
| Net interest income | 1,405,000 | 2,886,000 | 4,400,000 | 5,959,000 |
| Noninterest income | 157,000 | 356,000 | 649,000 | 966,000 |
| Noninterest expense | 1,231,000 | 2,545,000 | 3,885,000 | 5,210,000 |
| Provision for loan losses | 33,000 | 78,000 | 230,000 | 255,000 |
| Pretax income | 298,000 | 619,000 | 934,000 | 1,426,000 |
| Income tax | 128,000 | 218,000 | 359,000 | 500,000 |
| Net income | 170,000 | 401,000 | 575,000 | 926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,305,000 | 12,192,000 | 12,366,000 | 12,625,000 |
| Total capital | 13,314,000 | 13,136,000 | 13,334,000 | 13,650,000 |
| Risk-weighted assets | 82,363,000 | 83,998,000 | 84,130,000 | 87,345,000 |