Call reports 2004
CENTRAL STATE BANK — 2004
What CENTRAL 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 | 66,714,000 | 67,442,000 | 70,842,000 | 72,207,000 |
| Total loans | 45,471,000 | 51,267,000 | 56,415,000 | 58,675,000 |
| Allowance for loan losses | 778,000 | 773,000 | 857,000 | 855,000 |
| Securities available for sale | 13,039,000 | 12,546,000 | 11,134,000 | 10,153,000 |
| Securities held to maturity | 125,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,381,000 | 57,749,000 | 60,135,000 | 60,629,000 |
| Interest-bearing deposits | 53,369,000 | 51,735,000 | 54,771,000 | 54,274,000 |
| Noninterest-bearing deposits | 6,012,000 | 6,014,000 | 5,364,000 | 6,355,000 |
| Equity capital | 7,189,000 | 6,556,000 | 7,072,000 | 7,214,000 |
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 | 1,060,000 | 2,187,000 | 3,380,000 | 4,544,000 |
| Interest expense | 318,000 | 616,000 | 926,000 | 1,261,000 |
| Net interest income | 742,000 | 1,571,000 | 2,454,000 | 3,283,000 |
| Noninterest income | 123,000 | 317,000 | 506,000 | 680,000 |
| Noninterest expense | 460,000 | 946,000 | 1,378,000 | 1,960,000 |
| Provision for loan losses | 0 | 145,000 | 239,000 | 452,000 |
| Pretax income | 405,000 | 798,000 | 1,344,000 | 1,552,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 405,000 | 798,000 | 1,344,000 | 1,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,780,000 | 6,478,000 | 6,863,000 | 7,071,000 |
| Total capital | 7,319,000 | 7,074,000 | 7,507,000 | 7,737,000 |
| Risk-weighted assets | 43,207,000 | 47,515,000 | 51,371,000 | 53,064,000 |