Call reports 2005
COMMUNITY STATE BANK — 2005
What COMMUNITY STATE BANK 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 | 26,682,000 | 29,265,000 | 31,154,000 | 31,200,000 |
| Total loans | 20,758,000 | 21,003,000 | 21,183,000 | 22,006,000 |
| Allowance for loan losses | 294,000 | 313,000 | 327,000 | 312,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 891,000 | 1,071,000 | 922,000 | 922,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,277,000 | 26,803,000 | 28,588,000 | 28,645,000 |
| Interest-bearing deposits | 17,847,000 | 18,586,000 | 17,881,000 | 18,340,000 |
| Noninterest-bearing deposits | 6,430,000 | 8,217,000 | 10,707,000 | 10,305,000 |
| Equity capital | 2,369,000 | 2,414,000 | 2,490,000 | 2,533,000 |
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 | 462,000 | 952,000 | 1,466,000 | 2,015,000 |
| Interest expense | 70,000 | 151,000 | 247,000 | 348,000 |
| Net interest income | 392,000 | 801,000 | 1,219,000 | 1,667,000 |
| Noninterest income | 100,000 | 199,000 | 292,000 | 368,000 |
| Noninterest expense | 316,000 | 649,000 | 979,000 | 1,357,000 |
| Provision for loan losses | 43,000 | 65,000 | 75,000 | 95,000 |
| Pretax income | 133,000 | 286,000 | 457,000 | 583,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 133,000 | 286,000 | 457,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,369,000 | 2,414,000 | 2,490,000 | 2,533,000 |
| Total capital | 2,639,000 | 2,697,000 | 2,780,000 | 2,832,000 |
| Risk-weighted assets | 21,558,000 | 22,593,000 | 23,158,000 | 23,930,000 |