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 | 86,217,000 | 87,684,000 | 86,177,000 | 84,547,000 |
| Total loans | 63,130,000 | 61,737,000 | 64,069,000 | 62,266,000 |
| Allowance for loan losses | 234,000 | 329,000 | 357,000 | 357,000 |
| Securities available for sale | 12,213,000 | 17,563,000 | 14,967,000 | 13,592,000 |
| Securities held to maturity | 1,640,000 | 1,141,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,423,000 | 72,880,000 | 66,238,000 | 70,542,000 |
| Interest-bearing deposits | 59,527,000 | 58,786,000 | 53,834,000 | 56,465,000 |
| Noninterest-bearing deposits | 11,896,000 | 14,094,000 | 12,404,000 | 14,077,000 |
| Equity capital | 6,641,000 | 6,835,000 | 6,905,000 | 7,056,000 |
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 | 1,279,000 | 2,644,000 | 3,984,000 | 5,287,000 |
| Interest expense | 522,000 | 1,060,000 | 1,596,000 | 2,102,000 |
| Net interest income | 757,000 | 1,584,000 | 2,388,000 | 3,185,000 |
| Noninterest income | 167,000 | 452,000 | 685,000 | 732,000 |
| Noninterest expense | 701,000 | 1,417,000 | 2,197,000 | 2,749,000 |
| Provision for loan losses | 0 | 94,000 | 121,000 | 121,000 |
| Pretax income | 223,000 | 525,000 | 756,000 | 1,039,000 |
| Income tax | 72,000 | 176,000 | 253,000 | 348,000 |
| Net income | 151,000 | 349,000 | 503,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,494,000 | 6,698,000 | 6,734,000 | 6,878,000 |
| Total capital | 6,728,000 | 7,027,000 | 7,091,000 | 7,235,000 |
| Risk-weighted assets | 63,630,000 | 61,002,000 | 63,607,000 | 62,371,000 |