Call reports 2005
CS BANK — 2005
What CS 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 | 97,634,000 | 105,927,000 | 100,716,000 | 100,900,000 |
| Total loans | 61,430,000 | 65,303,000 | 66,314,000 | 65,809,000 |
| Allowance for loan losses | 744,000 | 756,000 | 769,000 | 780,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,742,000 | 21,713,000 | 22,135,000 | 22,827,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,103,000 | 78,797,000 | 74,378,000 | 74,631,000 |
| Interest-bearing deposits | 62,868,000 | 66,606,000 | 65,514,000 | 66,776,000 |
| Noninterest-bearing deposits | 8,235,000 | 12,191,000 | 8,864,000 | 7,855,000 |
| Equity capital | 11,545,000 | 11,427,000 | 11,664,000 | 11,630,000 |
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 | 1,216,000 | 2,548,000 | 3,937,000 | 5,365,000 |
| Interest expense | 368,000 | 805,000 | 1,285,000 | 1,814,000 |
| Net interest income | 848,000 | 1,743,000 | 2,652,000 | 3,551,000 |
| Noninterest income | 216,000 | 491,000 | 743,000 | 1,006,000 |
| Noninterest expense | 796,000 | 1,687,000 | 2,476,000 | 3,320,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 253,000 | 517,000 | 874,000 | 1,177,000 |
| Income tax | 79,000 | 161,000 | 281,000 | 376,000 |
| Net income | 174,000 | 356,000 | 593,000 | 801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,545,000 | 11,427,000 | 11,664,000 | 11,630,000 |
| Total capital | 12,289,000 | 12,183,000 | 12,433,000 | 12,410,000 |
| Risk-weighted assets | 67,151,000 | 71,127,000 | 71,971,000 | 72,411,000 |