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 | 62,089,000 | 71,175,000 | 66,253,000 | 71,020,000 |
| Total loans | 38,031,000 | 41,621,000 | 43,110,000 | 42,959,000 |
| Allowance for loan losses | 451,000 | 452,000 | 459,000 | 454,000 |
| Securities available for sale | 18,528,000 | 19,234,000 | 17,872,000 | 15,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,037,000 | 64,536,000 | 58,855,000 | 64,571,000 |
| Interest-bearing deposits | 46,747,000 | 56,215,000 | 51,069,000 | 55,736,000 |
| Noninterest-bearing deposits | 8,290,000 | 8,321,000 | 7,786,000 | 8,835,000 |
| Equity capital | 5,997,000 | 5,978,000 | 6,094,000 | 6,227,000 |
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 | 852,000 | 1,796,000 | 2,811,000 | 3,832,000 |
| Interest expense | 228,000 | 535,000 | 884,000 | 1,289,000 |
| Net interest income | 624,000 | 1,261,000 | 1,927,000 | 2,543,000 |
| Noninterest income | 96,000 | 155,000 | 246,000 | 326,000 |
| Noninterest expense | 514,000 | 1,024,000 | 1,589,000 | 2,184,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 60,000 |
| Pretax income | 175,000 | 344,000 | 508,000 | 605,000 |
| Income tax | 45,000 | 88,000 | 129,000 | 146,000 |
| Net income | 130,000 | 256,000 | 379,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,393,000 | 5,542,000 | 5,544,000 | 5,646,000 |
| Total capital | 5,844,000 | 5,994,000 | 6,003,000 | 6,100,000 |
| Risk-weighted assets | 39,088,000 | 42,869,000 | 43,242,000 | 45,185,000 |