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 | 15,482,000 | 15,592,000 | 15,337,000 | 15,299,000 |
| Total loans | 8,904,000 | 8,930,000 | 8,956,000 | 8,969,000 |
| Allowance for loan losses | 182,000 | 178,000 | 168,000 | 167,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,501,000 | 1,500,000 | 1,500,000 | 1,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,761,000 | 13,822,000 | 13,527,000 | 13,460,000 |
| Interest-bearing deposits | 10,870,000 | 11,178,000 | 10,925,000 | 10,938,000 |
| Noninterest-bearing deposits | 2,891,000 | 2,644,000 | 2,602,000 | 2,522,000 |
| Equity capital | 1,663,000 | 1,730,000 | 1,770,000 | 1,793,000 |
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 | 251,000 | 523,000 | 785,000 | 1,054,000 |
| Interest expense | 64,000 | 134,000 | 213,000 | 309,000 |
| Net interest income | 187,000 | 389,000 | 572,000 | 745,000 |
| Noninterest income | 25,000 | 51,000 | 51,000 | 77,000 |
| Noninterest expense | 120,000 | 254,000 | 396,000 | 561,000 |
| Provision for loan losses | 99,000 | 99,000 | 99,000 | 122,000 |
| Pretax income | -7,000 | 87,000 | 128,000 | 139,000 |
| Income tax | 38,000 | 65,000 | 66,000 | 54,000 |
| Net income | -45,000 | 22,000 | 62,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,663,000 | 1,730,000 | 1,770,000 | 1,793,000 |
| Total capital | 1,776,000 | 1,842,000 | 1,878,000 | 1,906,000 |
| Risk-weighted assets | 8,951,000 | 8,889,000 | 8,598,000 | 8,951,000 |