Call reports 2007
CS BANK — 2007
What CS 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 | 109,592,000 | 109,854,000 | 107,150,000 | 109,865,000 |
| Total loans | 69,868,000 | 70,235,000 | 65,748,000 | 65,636,000 |
| Allowance for loan losses | 771,000 | 786,000 | 791,000 | 801,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,335,000 | 25,161,000 | 26,948,000 | 26,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,551,000 | 84,020,000 | 81,926,000 | 84,533,000 |
| Interest-bearing deposits | 72,521,000 | 75,599,000 | 74,027,000 | 77,338,000 |
| Noninterest-bearing deposits | 8,030,000 | 8,421,000 | 7,899,000 | 7,195,000 |
| Equity capital | 12,430,000 | 11,626,000 | 11,885,000 | 12,016,000 |
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 | 1,708,000 | 3,478,000 | 5,278,000 | 7,074,000 |
| Interest expense | 796,000 | 1,597,000 | 2,413,000 | 3,165,000 |
| Net interest income | 912,000 | 1,881,000 | 2,865,000 | 3,909,000 |
| Noninterest income | 294,000 | 636,000 | 942,000 | 1,321,000 |
| Noninterest expense | 939,000 | 1,919,000 | 2,818,000 | 3,804,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 252,000 | 568,000 | 944,000 | 1,366,000 |
| Income tax | 70,000 | 162,000 | 279,000 | 407,000 |
| Net income | 182,000 | 406,000 | 665,000 | 959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,430,000 | 11,626,000 | 11,885,000 | 12,016,000 |
| Total capital | 13,201,000 | 12,412,000 | 12,676,000 | 12,817,000 |
| Risk-weighted assets | 77,537,000 | 78,145,000 | 74,904,000 | 75,824,000 |