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 | 32,659,000 | 33,777,000 | 31,862,000 | 38,906,000 |
| Total loans | 21,675,000 | 22,626,000 | 24,804,000 | 25,301,000 |
| Allowance for loan losses | 174,000 | 180,000 | 187,000 | 196,000 |
| Securities available for sale | 1,469,000 | 1,486,000 | 977,000 | 968,000 |
| Securities held to maturity | 4,969,000 | 4,868,000 | 4,352,000 | 4,335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,121,000 | 27,146,000 | 24,924,000 | 32,096,000 |
| Interest-bearing deposits | 22,072,000 | 23,344,000 | 21,347,000 | 27,162,000 |
| Noninterest-bearing deposits | 4,049,000 | 3,802,000 | 3,577,000 | 4,934,000 |
| Equity capital | 5,917,000 | 6,016,000 | 6,124,000 | 5,935,000 |
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 | 468,000 | 948,000 | 1,458,000 | 1,994,000 |
| Interest expense | 119,000 | 236,000 | 363,000 | 519,000 |
| Net interest income | 349,000 | 712,000 | 1,095,000 | 1,475,000 |
| Noninterest income | 23,000 | 43,000 | 73,000 | 105,000 |
| Noninterest expense | 225,000 | 403,000 | 725,000 | 934,000 |
| Provision for loan losses | 0 | 6,000 | 15,000 | 24,000 |
| Pretax income | 147,000 | 346,000 | 429,000 | 623,000 |
| Income tax | 44,000 | 150,000 | 118,000 | 203,000 |
| Net income | 103,000 | 196,000 | 311,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,953,000 | 6,032,000 | 6,147,000 | 5,967,000 |
| Total capital | 6,127,000 | 6,211,000 | 6,334,000 | 6,163,000 |
| Risk-weighted assets | 21,846,000 | 22,761,000 | 24,012,000 | 25,694,000 |