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 | 13,912,000 | 14,230,000 | 14,698,000 | 15,682,000 |
| Total loans | 9,044,000 | 9,969,000 | 9,828,000 | 9,637,000 |
| Allowance for loan losses | 103,000 | 197,000 | 190,000 | 154,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,501,000 | 1,501,000 | 1,501,000 | 1,501,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,190,000 | 12,467,000 | 12,894,000 | 13,938,000 |
| Interest-bearing deposits | 9,454,000 | 9,881,000 | 10,350,000 | 10,611,000 |
| Noninterest-bearing deposits | 2,736,000 | 2,585,000 | 2,544,000 | 3,327,000 |
| Equity capital | 1,580,000 | 1,702,000 | 1,775,000 | 1,708,000 |
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 | 210,000 | 438,000 | 676,000 | 919,000 |
| Interest expense | 38,000 | 81,000 | 133,000 | 192,000 |
| Net interest income | 172,000 | 357,000 | 543,000 | 727,000 |
| Noninterest income | 37,000 | 76,000 | 114,000 | 154,000 |
| Noninterest expense | 118,000 | 242,000 | 369,000 | 489,000 |
| Provision for loan losses | 11,000 | 106,000 | 106,000 | 138,000 |
| Pretax income | 80,000 | 85,000 | 182,000 | 254,000 |
| Income tax | 21,000 | 45,000 | 69,000 | 108,000 |
| Net income | 59,000 | 40,000 | 113,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,580,000 | 1,702,000 | 1,775,000 | 1,708,000 |
| Total capital | 1,683,000 | 1,820,000 | 1,893,000 | 1,826,000 |
| Risk-weighted assets | 8,445,000 | 9,347,000 | 9,379,000 | 9,429,000 |