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 | 14,021,000 | 13,721,000 | 13,859,000 | 13,886,000 |
| Total loans | 8,916,000 | 9,164,000 | 8,976,000 | 8,966,000 |
| Allowance for loan losses | 125,000 | 125,000 | 124,000 | 124,000 |
| Securities available for sale | 2,297,000 | 2,869,000 | 2,903,000 | 2,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,239,000 | 11,930,000 | 12,038,000 | 12,018,000 |
| Interest-bearing deposits | 10,178,000 | 10,245,000 | 10,553,000 | 10,485,000 |
| Noninterest-bearing deposits | 2,061,000 | 1,685,000 | 1,485,000 | 1,533,000 |
| Equity capital | 1,652,000 | 1,673,000 | 1,681,000 | 1,703,000 |
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 | 208,000 | 429,000 | 632,000 | 849,000 |
| Interest expense | 102,000 | 206,000 | 314,000 | 423,000 |
| Net interest income | 106,000 | 223,000 | 318,000 | 426,000 |
| Noninterest income | 4,000 | 7,000 | 12,000 | 20,000 |
| Noninterest expense | 83,000 | 185,000 | 282,000 | 414,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 27,000 | 45,000 | 48,000 | 32,000 |
| Income tax | 4,000 | -11,000 | 5,000 | -10,000 |
| Net income | 23,000 | 56,000 | 43,000 | 42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,685,000 | 1,718,000 | 1,704,000 | 1,703,000 |
| Total capital | 1,802,000 | 1,838,000 | 1,825,000 | 1,823,000 |
| Risk-weighted assets | 9,329,000 | 9,603,000 | 9,664,000 | 9,629,000 |