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 | 80,556,000 | 81,680,000 | 84,589,000 | 88,210,000 |
| Total loans | 51,791,000 | 55,316,000 | 54,833,000 | 54,449,000 |
| Allowance for loan losses | 697,000 | 720,000 | 747,000 | 789,000 |
| Securities available for sale | 24,400,000 | 22,213,000 | 23,511,000 | 25,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,950,000 | 65,517,000 | 69,332,000 | 73,021,000 |
| Interest-bearing deposits | 54,066,000 | 53,697,000 | 58,713,000 | 59,194,000 |
| Noninterest-bearing deposits | 10,884,000 | 11,820,000 | 10,619,000 | 13,827,000 |
| Equity capital | 7,575,000 | 7,083,000 | 7,704,000 | 7,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 995,000 | 2,000,000 | 3,071,000 | 4,204,000 |
| Interest expense | 335,000 | 666,000 | 1,017,000 | 1,392,000 |
| Net interest income | 660,000 | 1,334,000 | 2,054,000 | 2,812,000 |
| Noninterest income | 131,000 | 323,000 | 449,000 | 616,000 |
| Noninterest expense | 479,000 | 959,000 | 1,472,000 | 2,139,000 |
| Provision for loan losses | 7,000 | 30,000 | 55,000 | 83,000 |
| Pretax income | 419,000 | 776,000 | 1,063,000 | 1,287,000 |
| Income tax | 21,000 | 39,000 | 53,000 | 64,000 |
| Net income | 398,000 | 737,000 | 1,010,000 | 1,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,140,000 | 7,237,000 | 7,453,000 | 6,842,000 |
| Total capital | 7,852,000 | 7,972,000 | 8,218,000 | 7,622,000 |
| Risk-weighted assets | 58,050,000 | 60,729,000 | 61,600,000 | 62,352,000 |
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