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 | 63,367,000 | 64,444,000 | 61,676,000 | 65,108,000 |
| Total loans | 34,252,000 | 34,368,000 | 34,863,000 | 35,482,000 |
| Allowance for loan losses | 452,000 | 454,000 | 454,000 | 437,000 |
| Securities available for sale | 18,354,000 | 19,338,000 | 19,837,000 | 20,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,798,000 | 57,811,000 | 55,020,000 | 58,788,000 |
| Interest-bearing deposits | 48,721,000 | 49,811,000 | 48,049,000 | 49,707,000 |
| Noninterest-bearing deposits | 8,077,000 | 8,000,000 | 6,971,000 | 9,081,000 |
| Equity capital | 5,940,000 | 6,138,000 | 5,975,000 | 5,969,000 |
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 | 765,000 | 1,570,000 | 2,389,000 | 3,240,000 |
| Interest expense | 150,000 | 310,000 | 495,000 | 712,000 |
| Net interest income | 615,000 | 1,260,000 | 1,894,000 | 2,528,000 |
| Noninterest income | 65,000 | 94,000 | 95,000 | 166,000 |
| Noninterest expense | 503,000 | 1,032,000 | 1,582,000 | 2,106,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 57,000 |
| Pretax income | 162,000 | 307,000 | 392,000 | 531,000 |
| Income tax | 37,000 | 70,000 | 76,000 | 105,000 |
| Net income | 125,000 | 237,000 | 316,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,165,000 | 5,299,000 | 5,200,000 | 5,322,000 |
| Total capital | 5,617,000 | 5,753,000 | 5,654,000 | 5,759,000 |
| Risk-weighted assets | 36,651,000 | 36,977,000 | 36,664,000 | 38,688,000 |