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 | 37,987,000 | 34,613,000 | 35,972,000 | 39,309,000 |
| Total loans | 25,031,000 | 26,349,000 | 28,334,000 | 27,741,000 |
| Allowance for loan losses | 205,000 | 214,000 | 223,000 | 199,000 |
| Securities available for sale | 963,000 | 947,000 | 965,000 | 973,000 |
| Securities held to maturity | 4,335,000 | 4,335,000 | 4,334,000 | 4,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,167,000 | 27,729,000 | 28,952,000 | 32,229,000 |
| Interest-bearing deposits | 26,524,000 | 23,783,000 | 24,821,000 | 26,911,000 |
| Noninterest-bearing deposits | 4,643,000 | 3,946,000 | 4,131,000 | 5,318,000 |
| Equity capital | 6,020,000 | 6,124,000 | 6,236,000 | 6,166,000 |
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 | 577,000 | 1,157,000 | 1,727,000 | 2,433,000 |
| Interest expense | 207,000 | 379,000 | 659,000 | 875,000 |
| Net interest income | 370,000 | 778,000 | 1,068,000 | 1,558,000 |
| Noninterest income | 24,000 | 50,000 | 116,000 | 121,000 |
| Noninterest expense | 232,000 | 511,000 | 1,121,000 | 1,409,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 153,000 | 299,000 | 36,000 | 234,000 |
| Income tax | 65,000 | 107,000 | -267,000 | -196,000 |
| Net income | 88,000 | 192,000 | 303,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,057,000 | 6,177,000 | 6,692,000 | 6,617,000 |
| Total capital | 6,262,000 | 6,391,000 | 6,915,000 | 6,816,000 |
| Risk-weighted assets | 25,330,000 | 25,259,000 | 26,612,000 | 27,467,000 |