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 | 83,890,000 | 85,032,000 | 82,647,000 | 85,285,000 |
| Total loans | 60,737,000 | 61,189,000 | 62,046,000 | 63,677,000 |
| Allowance for loan losses | 434,000 | 434,000 | 499,000 | 571,000 |
| Securities available for sale | 16,262,000 | 14,125,000 | 12,349,000 | 13,053,000 |
| Securities held to maturity | 1,999,000 | 2,442,000 | 2,441,000 | 2,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,765,000 | 68,100,000 | 65,700,000 | 70,156,000 |
| Interest-bearing deposits | 55,503,000 | 57,245,000 | 55,212,000 | 57,874,000 |
| Noninterest-bearing deposits | 10,262,000 | 10,855,000 | 10,488,000 | 12,282,000 |
| Equity capital | 6,337,000 | 6,346,000 | 6,451,000 | 6,472,000 |
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 | 1,130,000 | 2,301,000 | 3,529,000 | 4,789,000 |
| Interest expense | 448,000 | 938,000 | 1,442,000 | 1,961,000 |
| Net interest income | 682,000 | 1,363,000 | 2,087,000 | 2,828,000 |
| Noninterest income | 185,000 | 360,000 | 555,000 | 745,000 |
| Noninterest expense | 657,000 | 1,308,000 | 1,971,000 | 2,639,000 |
| Provision for loan losses | 0 | 8,000 | 76,000 | 188,000 |
| Pretax income | 210,000 | 407,000 | 595,000 | 746,000 |
| Income tax | 70,000 | 137,000 | 198,000 | 240,000 |
| Net income | 140,000 | 270,000 | 397,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,279,000 | 6,296,000 | 6,330,000 | 6,336,000 |
| Total capital | 6,713,000 | 6,730,000 | 6,829,000 | 6,907,000 |
| Risk-weighted assets | 59,231,000 | 60,951,000 | 61,227,000 | 62,962,000 |