Call reports 2007
COMMUNITY STATE BANK — 2007
What COMMUNITY STATE BANK 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 | 32,917,000 | 30,943,000 | 30,769,000 | 33,252,000 |
| Total loans | 24,119,000 | 24,935,000 | 25,433,000 | 25,203,000 |
| Allowance for loan losses | 298,000 | 302,000 | 339,000 | 307,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,684,000 | 1,556,000 | 1,560,000 | 1,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,190,000 | 28,166,000 | 27,930,000 | 30,477,000 |
| Interest-bearing deposits | 19,808,000 | 19,579,000 | 19,153,000 | 19,914,000 |
| Noninterest-bearing deposits | 10,382,000 | 8,587,000 | 8,777,000 | 10,563,000 |
| Equity capital | 2,676,000 | 2,718,000 | 2,733,000 | 2,741,000 |
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 | 610,000 | 1,234,000 | 1,852,000 | 2,481,000 |
| Interest expense | 153,000 | 309,000 | 463,000 | 621,000 |
| Net interest income | 457,000 | 925,000 | 1,389,000 | 1,860,000 |
| Noninterest income | 102,000 | 221,000 | 328,000 | 443,000 |
| Noninterest expense | 368,000 | 753,000 | 1,154,000 | 1,577,000 |
| Provision for loan losses | 25,000 | 60,000 | 95,000 | 117,000 |
| Pretax income | 166,000 | 333,000 | 468,000 | 609,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 166,000 | 333,000 | 468,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,676,000 | 2,718,000 | 2,733,000 | 2,741,000 |
| Total capital | 2,974,000 | 3,020,000 | 3,066,000 | 3,048,000 |
| Risk-weighted assets | 25,746,000 | 26,122,000 | 26,633,000 | 27,018,000 |