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 | 37,602,000 | 37,614,000 | 37,852,000 | 43,594,000 |
| Total loans | 28,107,000 | 28,733,000 | 29,176,000 | 29,535,000 |
| Allowance for loan losses | 208,000 | 217,000 | 226,000 | 136,000 |
| Securities available for sale | 976,000 | 962,000 | 983,000 | 998,000 |
| Securities held to maturity | 4,319,000 | 4,319,000 | 4,319,000 | 4,304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,488,000 | 30,492,000 | 30,520,000 | 36,235,000 |
| Interest-bearing deposits | 26,381,000 | 26,135,000 | 26,034,000 | 24,430,000 |
| Noninterest-bearing deposits | 4,108,000 | 4,357,000 | 4,486,000 | 11,805,000 |
| Equity capital | 6,239,000 | 6,332,000 | 6,483,000 | 6,395,000 |
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 | 609,000 | 1,285,000 | 1,966,000 | 2,633,000 |
| Interest expense | 259,000 | 524,000 | 786,000 | 1,050,000 |
| Net interest income | 350,000 | 761,000 | 1,180,000 | 1,583,000 |
| Noninterest income | 28,000 | 58,000 | 96,000 | 125,000 |
| Noninterest expense | 271,000 | 563,000 | 844,000 | 1,147,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 98,000 | 238,000 | 405,000 | 525,000 |
| Income tax | 3,000 | 41,000 | 33,000 | 71,000 |
| Net income | 95,000 | 197,000 | 372,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,688,000 | 6,789,000 | 6,927,000 | 6,839,000 |
| Total capital | 6,896,000 | 7,004,000 | 7,153,000 | 6,975,000 |
| Risk-weighted assets | 27,031,000 | 27,362,000 | 27,722,000 | 29,023,000 |