Call reports 2004
COMMUNITY STATE BANK — 2004
What COMMUNITY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 216,605,000 | 225,750,000 | 233,501,000 | 240,271,000 |
| Total loans | 183,528,000 | 180,451,000 | 182,802,000 | 185,209,000 |
| Allowance for loan losses | 3,398,000 | 3,456,000 | 3,526,000 | 3,508,000 |
| Securities available for sale | 6,601,000 | 10,290,000 | 15,307,000 | 14,870,000 |
| Securities held to maturity | 8,873,000 | 8,101,000 | 7,852,000 | 7,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,407,000 | 189,005,000 | 195,859,000 | 202,814,000 |
| Interest-bearing deposits | 145,764,000 | 147,634,000 | 150,830,000 | 157,577,000 |
| Noninterest-bearing deposits | 37,643,000 | 41,371,000 | 45,029,000 | 45,237,000 |
| Equity capital | 23,222,000 | 23,151,000 | 23,820,000 | 23,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,396,000 | 6,749,000 | 10,149,000 | 13,641,000 |
| Interest expense | 498,000 | 1,013,000 | 1,584,000 | 2,189,000 |
| Net interest income | 2,898,000 | 5,736,000 | 8,565,000 | 11,452,000 |
| Noninterest income | 594,000 | 1,259,000 | 1,840,000 | 2,442,000 |
| Noninterest expense | 1,972,000 | 4,022,000 | 6,082,000 | 8,255,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 225,000 |
| Pretax income | 1,457,000 | 2,835,000 | 4,110,000 | 5,426,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 10,000 |
| Net income | 1,455,000 | 2,830,000 | 4,103,000 | 5,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,167,000 | 23,297,000 | 23,795,000 | 23,610,000 |
| Total capital | 25,442,000 | 25,635,000 | 26,158,000 | 26,013,000 |
| Risk-weighted assets | 180,893,000 | 185,937,000 | 187,843,000 | 191,100,000 |
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