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 | 83,736,000 | 82,798,000 | 82,233,000 | 82,822,000 |
| Total loans | 55,623,000 | 58,745,000 | 59,194,000 | 58,935,000 |
| Allowance for loan losses | 385,000 | 402,000 | 421,000 | 433,000 |
| Securities available for sale | 20,124,000 | 15,848,000 | 15,779,000 | 16,118,000 |
| Securities held to maturity | 1,837,000 | 1,759,000 | 1,756,000 | 2,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,084,000 | 64,182,000 | 61,718,000 | 65,926,000 |
| Interest-bearing deposits | 53,997,000 | 52,666,000 | 51,945,000 | 53,276,000 |
| Noninterest-bearing deposits | 10,087,000 | 11,516,000 | 9,773,000 | 12,650,000 |
| Equity capital | 6,007,000 | 6,189,000 | 6,231,000 | 6,312,000 |
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 | 1,127,000 | 2,207,000 | 3,311,000 | 4,441,000 |
| Interest expense | 352,000 | 713,000 | 1,101,000 | 1,517,000 |
| Net interest income | 775,000 | 1,494,000 | 2,210,000 | 2,924,000 |
| Noninterest income | 182,000 | 384,000 | 592,000 | 782,000 |
| Noninterest expense | 620,000 | 1,242,000 | 1,887,000 | 2,534,000 |
| Provision for loan losses | 0 | 15,000 | 45,000 | 45,000 |
| Pretax income | 337,000 | 614,000 | 863,000 | 1,120,000 |
| Income tax | 120,000 | 216,000 | 306,000 | 393,000 |
| Net income | 217,000 | 398,000 | 557,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,947,000 | 6,060,000 | 6,151,000 | 6,252,000 |
| Total capital | 6,332,000 | 6,462,000 | 6,572,000 | 6,685,000 |
| Risk-weighted assets | 57,135,000 | 58,842,000 | 59,518,000 | 58,022,000 |