Call reports 2004
COMMUNITY SECURITY BANK — 2004
What COMMUNITY SECURITY 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 | 69,008,000 | 73,492,000 | 80,436,000 | 85,060,000 |
| Total loans | 56,688,000 | 63,228,000 | 70,354,000 | 73,825,000 |
| Allowance for loan losses | 634,000 | 704,000 | 779,000 | 823,000 |
| Securities available for sale | 5,409,000 | 5,609,000 | 5,446,000 | 6,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,064,000 | 64,002,000 | 68,004,000 | 71,898,000 |
| Interest-bearing deposits | 52,797,000 | 55,699,000 | 59,282,000 | 62,672,000 |
| Noninterest-bearing deposits | 7,267,000 | 8,303,000 | 8,722,000 | 9,226,000 |
| Equity capital | 5,151,000 | 5,555,000 | 6,267,000 | 6,540,000 |
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 | 963,000 | 2,071,000 | 3,296,000 | 4,647,000 |
| Interest expense | 277,000 | 591,000 | 937,000 | 1,322,000 |
| Net interest income | 686,000 | 1,480,000 | 2,359,000 | 3,325,000 |
| Noninterest income | 258,000 | 574,000 | 878,000 | 1,181,000 |
| Noninterest expense | 520,000 | 1,119,000 | 1,707,000 | 2,515,000 |
| Provision for loan losses | 30,000 | 100,000 | 175,000 | 220,000 |
| Pretax income | 399,000 | 840,000 | 1,360,000 | 1,776,000 |
| Income tax | 162,000 | 304,000 | 487,000 | 628,000 |
| Net income | 237,000 | 536,000 | 873,000 | 1,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,122,000 | 5,628,000 | 6,274,000 | 6,550,000 |
| Total capital | 5,756,000 | 6,332,000 | 7,053,000 | 7,372,000 |
| Risk-weighted assets | 57,027,000 | 63,274,000 | 69,858,000 | 73,618,000 |