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 | 69,616,000 | 70,328,000 | 71,152,000 | 75,231,000 |
| Total loans | 45,316,000 | 47,796,000 | 49,447,000 | 49,805,000 |
| Allowance for loan losses | 467,000 | 499,000 | 510,000 | 531,000 |
| Securities available for sale | 15,480,000 | 15,202,000 | 15,106,000 | 15,865,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,813,000 | 63,551,000 | 63,916,000 | 67,855,000 |
| Interest-bearing deposits | 54,032,000 | 53,920,000 | 54,784,000 | 57,606,000 |
| Noninterest-bearing deposits | 8,781,000 | 9,631,000 | 9,132,000 | 10,249,000 |
| Equity capital | 6,272,000 | 6,317,000 | 6,441,000 | 6,657,000 |
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 | 1,082,000 | 2,148,000 | 3,255,000 | 4,376,000 |
| Interest expense | 409,000 | 819,000 | 1,248,000 | 1,685,000 |
| Net interest income | 673,000 | 1,329,000 | 2,007,000 | 2,691,000 |
| Noninterest income | 88,000 | 184,000 | 290,000 | 390,000 |
| Noninterest expense | 546,000 | 1,063,000 | 1,620,000 | 2,218,000 |
| Provision for loan losses | 17,000 | 47,000 | 77,000 | 122,000 |
| Pretax income | 198,000 | 403,000 | 600,000 | 741,000 |
| Income tax | 58,000 | 115,000 | 173,000 | 208,000 |
| Net income | 140,000 | 288,000 | 427,000 | 533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,689,000 | 5,859,000 | 5,876,000 | 5,997,000 |
| Total capital | 6,156,000 | 6,358,000 | 6,386,000 | 6,528,000 |
| Risk-weighted assets | 46,440,000 | 49,069,000 | 50,028,000 | 49,799,000 |