Call reports 2005
COMMERCIAL STATE BANK OF BONNER SPRINGS — 2005
What COMMERCIAL STATE BANK OF BONNER SPRINGS 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 | 86,645,000 | 88,191,000 | 89,140,000 | 87,619,000 |
| Total loans | 53,848,000 | 53,971,000 | 55,182,000 | 54,289,000 |
| Allowance for loan losses | 677,000 | 665,000 | 659,000 | 657,000 |
| Securities available for sale | 28,333,000 | 29,000,000 | 29,341,000 | 28,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,213,000 | 78,669,000 | 77,678,000 | 75,043,000 |
| Interest-bearing deposits | 64,679,000 | 66,899,000 | 65,502,000 | 63,597,000 |
| Noninterest-bearing deposits | 13,534,000 | 11,770,000 | 12,176,000 | 11,446,000 |
| Equity capital | 7,384,000 | 7,791,000 | 7,245,000 | 7,302,000 |
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 | 1,115,000 | 2,342,000 | 3,612,000 | 4,949,000 |
| Interest expense | 300,000 | 661,000 | 1,074,000 | 1,545,000 |
| Net interest income | 815,000 | 1,681,000 | 2,538,000 | 3,404,000 |
| Noninterest income | 212,000 | 442,000 | 668,000 | 897,000 |
| Noninterest expense | 599,000 | 1,224,000 | 1,845,000 | 2,573,000 |
| Provision for loan losses | -97,000 | -95,000 | -95,000 | -91,000 |
| Pretax income | 525,000 | 994,000 | 1,456,000 | 1,819,000 |
| Income tax | 20,000 | 39,000 | 58,000 | 74,000 |
| Net income | 505,000 | 955,000 | 1,398,000 | 1,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,248,000 | 7,598,000 | 7,157,000 | 7,404,000 |
| Total capital | 7,925,000 | 8,263,000 | 7,816,000 | 8,061,000 |
| Risk-weighted assets | 58,052,000 | 57,099,000 | 58,137,000 | 57,329,000 |