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 | 13,238,000 | 13,021,000 | 12,506,000 | 12,336,000 |
| Total loans | 7,438,000 | 7,808,000 | 8,103,000 | 8,027,000 |
| Allowance for loan losses | 143,000 | 158,000 | 158,000 | 139,000 |
| Securities available for sale | 2,502,000 | 2,812,000 | 2,806,000 | 2,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,495,000 | 11,303,000 | 10,775,000 | 10,595,000 |
| Interest-bearing deposits | 9,981,000 | 9,854,000 | 9,544,000 | 9,047,000 |
| Noninterest-bearing deposits | 1,514,000 | 1,449,000 | 1,231,000 | 1,548,000 |
| Equity capital | 1,636,000 | 1,609,000 | 1,625,000 | 1,592,000 |
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 | 174,000 | 334,000 | 508,000 | 691,000 |
| Interest expense | 56,000 | 115,000 | 177,000 | 242,000 |
| Net interest income | 118,000 | 219,000 | 331,000 | 449,000 |
| Noninterest income | 4,000 | 7,000 | 11,000 | 16,000 |
| Noninterest expense | 72,000 | 172,000 | 263,000 | 439,000 |
| Provision for loan losses | 29,000 | 44,000 | 44,000 | 0 |
| Pretax income | 21,000 | 10,000 | 35,000 | 26,000 |
| Income tax | 4,000 | 6,000 | 8,000 | 4,000 |
| Net income | 17,000 | 4,000 | 27,000 | 22,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,636,000 | 1,622,000 | 1,644,000 | 1,639,000 |
| Total capital | 1,737,000 | 1,725,000 | 1,752,000 | 1,728,000 |
| Risk-weighted assets | 8,011,000 | 8,218,000 | 8,586,000 | 8,482,000 |