Call reports 2006
CS BANK — 2006
What CS 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 | 102,119,000 | 105,716,000 | 107,824,000 | 108,411,000 |
| Total loans | 64,513,000 | 66,170,000 | 68,628,000 | 69,326,000 |
| Allowance for loan losses | 788,000 | 734,000 | 749,000 | 760,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,300,000 | 25,337,000 | 25,908,000 | 25,921,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,572,000 | 78,882,000 | 78,835,000 | 79,668,000 |
| Interest-bearing deposits | 69,061,000 | 71,550,000 | 71,474,000 | 71,354,000 |
| Noninterest-bearing deposits | 7,511,000 | 7,332,000 | 7,361,000 | 8,314,000 |
| Equity capital | 11,897,000 | 12,076,000 | 12,412,000 | 12,473,000 |
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 | 1,436,000 | 2,975,000 | 4,650,000 | 6,353,000 |
| Interest expense | 573,000 | 1,222,000 | 1,929,000 | 2,685,000 |
| Net interest income | 863,000 | 1,753,000 | 2,721,000 | 3,668,000 |
| Noninterest income | 386,000 | 689,000 | 1,002,000 | 1,299,000 |
| Noninterest expense | 842,000 | 1,777,000 | 2,680,000 | 3,587,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 392,000 | 635,000 | 998,000 | 1,320,000 |
| Income tax | 124,000 | 188,000 | 215,000 | 285,000 |
| Net income | 268,000 | 447,000 | 783,000 | 1,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,897,000 | 12,076,000 | 12,412,000 | 12,473,000 |
| Total capital | 12,685,000 | 12,810,000 | 13,161,000 | 13,233,000 |
| Risk-weighted assets | 71,985,000 | 74,363,000 | 75,716,000 | 76,365,000 |