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 | 15,604,000 | 15,278,000 | 15,663,000 | 16,811,000 |
| Total loans | 8,708,000 | 8,455,000 | 8,803,000 | 9,199,000 |
| Allowance for loan losses | 169,000 | 178,000 | 242,000 | 209,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,500,000 | 1,750,000 | 2,180,000 | 4,192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,736,000 | 13,357,000 | 13,772,000 | 14,871,000 |
| Interest-bearing deposits | 10,843,000 | 10,386,000 | 10,747,000 | 11,245,000 |
| Noninterest-bearing deposits | 2,893,000 | 2,971,000 | 3,025,000 | 3,626,000 |
| Equity capital | 1,815,000 | 1,870,000 | 1,840,000 | 1,871,000 |
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 | 262,000 | 535,000 | 815,000 | 1,110,000 |
| Interest expense | 96,000 | 198,000 | 298,000 | 391,000 |
| Net interest income | 166,000 | 337,000 | 517,000 | 719,000 |
| Noninterest income | 29,000 | 60,000 | 91,000 | 120,000 |
| Noninterest expense | 120,000 | 244,000 | 358,000 | 529,000 |
| Provision for loan losses | 19,000 | 24,000 | 96,000 | 96,000 |
| Pretax income | 56,000 | 129,000 | 154,000 | 214,000 |
| Income tax | 34,000 | 52,000 | 67,000 | 77,000 |
| Net income | 22,000 | 77,000 | 87,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,815,000 | 1,870,000 | 1,840,000 | 1,871,000 |
| Total capital | 1,929,000 | 1,982,000 | 1,958,000 | 1,988,000 |
| Risk-weighted assets | 8,553,000 | 8,911,000 | 9,297,000 | 9,245,000 |