Call reports 2006
COMMUNITY STATE BANK — 2006
What COMMUNITY STATE BANK 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 | 31,175,000 | 29,763,000 | 32,512,000 | 32,939,000 |
| Total loans | 22,100,000 | 21,762,000 | 22,337,000 | 22,539,000 |
| Allowance for loan losses | 335,000 | 313,000 | 308,000 | 306,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,019,000 | 1,281,000 | 1,280,000 | 1,782,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,534,000 | 27,110,000 | 29,802,000 | 30,271,000 |
| Interest-bearing deposits | 19,522,000 | 18,539,000 | 18,675,000 | 19,444,000 |
| Noninterest-bearing deposits | 9,012,000 | 8,571,000 | 11,128,000 | 10,827,000 |
| Equity capital | 2,588,000 | 2,611,000 | 2,618,000 | 2,636,000 |
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 | 559,000 | 1,110,000 | 1,678,000 | 2,278,000 |
| Interest expense | 109,000 | 238,000 | 376,000 | 527,000 |
| Net interest income | 450,000 | 872,000 | 1,302,000 | 1,751,000 |
| Noninterest income | 92,000 | 190,000 | 283,000 | 409,000 |
| Noninterest expense | 343,000 | 681,000 | 1,077,000 | 1,491,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 55,000 |
| Pretax income | 174,000 | 356,000 | 483,000 | 614,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 174,000 | 356,000 | 483,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,588,000 | 2,611,000 | 2,618,000 | 2,636,000 |
| Total capital | 2,891,000 | 2,907,000 | 2,926,000 | 2,942,000 |
| Risk-weighted assets | 24,191,000 | 23,682,000 | 24,727,000 | 24,610,000 |