Call reports 2003
COMMUNITY STATE BANK — 2003
What COMMUNITY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 210,317,000 | 216,521,000 | 215,848,000 | 214,910,000 |
| Total loans | 171,237,000 | 176,680,000 | 181,689,000 | 185,298,000 |
| Allowance for loan losses | 3,192,000 | 3,264,000 | 3,289,000 | 3,328,000 |
| Securities available for sale | 9,740,000 | 9,675,000 | 8,818,000 | 6,681,000 |
| Securities held to maturity | 11,246,000 | 9,602,000 | 9,591,000 | 9,181,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,936,000 | 178,322,000 | 180,051,000 | 182,590,000 |
| Interest-bearing deposits | 138,648,000 | 140,881,000 | 139,603,000 | 139,497,000 |
| Noninterest-bearing deposits | 35,288,000 | 37,441,000 | 40,448,000 | 43,093,000 |
| Equity capital | 20,189,000 | 21,705,000 | 22,516,000 | 21,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,201,000 | 6,683,000 | 10,311,000 | 13,783,000 |
| Interest expense | 743,000 | 1,501,000 | 2,177,000 | 2,725,000 |
| Net interest income | 2,458,000 | 5,182,000 | 8,134,000 | 11,058,000 |
| Noninterest income | 805,000 | 1,660,000 | 2,464,000 | 3,002,000 |
| Noninterest expense | 1,841,000 | 3,734,000 | 5,793,000 | 7,935,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,347,000 | 2,958,000 | 4,580,000 | 5,825,000 |
| Income tax | 5,000 | 7,000 | 10,000 | 12,000 |
| Net income | 1,342,000 | 2,951,000 | 4,570,000 | 5,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,971,000 | 21,455,000 | 22,399,000 | 21,712,000 |
| Total capital | 22,106,000 | 23,669,000 | 24,650,000 | 24,005,000 |
| Risk-weighted assets | 169,726,000 | 176,097,000 | 179,078,000 | 182,425,000 |
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