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 | 12,547,000 | 12,731,000 | 12,558,000 | 12,760,000 |
| Total loans | 7,856,000 | 8,237,000 | 8,936,000 | 9,432,000 |
| Allowance for loan losses | 122,000 | 123,000 | 124,000 | 125,000 |
| Securities available for sale | 3,465,000 | 3,029,000 | 2,682,000 | 2,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,836,000 | 11,043,000 | 10,619,000 | 10,993,000 |
| Interest-bearing deposits | 9,465,000 | 9,524,000 | 9,556,000 | 9,509,000 |
| Noninterest-bearing deposits | 1,371,000 | 1,519,000 | 1,063,000 | 1,484,000 |
| Equity capital | 1,595,000 | 1,556,000 | 1,620,000 | 1,618,000 |
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 | 175,000 | 366,000 | 570,000 | 775,000 |
| Interest expense | 72,000 | 153,000 | 240,000 | 336,000 |
| Net interest income | 103,000 | 213,000 | 330,000 | 439,000 |
| Noninterest income | 3,000 | 6,000 | 15,000 | 19,000 |
| Noninterest expense | 89,000 | 196,000 | 307,000 | 422,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 17,000 | 23,000 | 38,000 | 36,000 |
| Income tax | 3,000 | 4,000 | 6,000 | 8,000 |
| Net income | 14,000 | 19,000 | 32,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,651,000 | 1,656,000 | 1,668,000 | 1,663,000 |
| Total capital | 1,756,000 | 1,766,000 | 1,784,000 | 1,783,000 |
| Risk-weighted assets | 8,403,000 | 8,770,000 | 9,259,000 | 9,610,000 |