Call reports 2004
CITY STATE BANK, THE — 2004
What CITY STATE BANK, THE 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 | 28,256,000 | 27,740,000 | 27,942,000 | 28,163,000 |
| Total loans | 17,214,000 | 16,998,000 | 17,555,000 | 17,422,000 |
| Allowance for loan losses | 184,000 | 184,000 | 186,000 | 186,000 |
| Securities available for sale | 818,000 | 789,000 | 500,000 | 496,000 |
| Securities held to maturity | 5,468,000 | 5,936,000 | 5,936,000 | 6,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,670,000 | 25,143,000 | 25,287,000 | 25,515,000 |
| Interest-bearing deposits | 22,835,000 | 22,643,000 | 22,856,000 | 22,513,000 |
| Noninterest-bearing deposits | 2,835,000 | 2,500,000 | 2,431,000 | 3,002,000 |
| Equity capital | 2,528,000 | 2,529,000 | 2,569,000 | 2,578,000 |
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 | 346,000 | 710,000 | 1,078,000 | 1,447,000 |
| Interest expense | 101,000 | 198,000 | 296,000 | 398,000 |
| Net interest income | 245,000 | 512,000 | 782,000 | 1,049,000 |
| Noninterest income | 35,000 | 68,000 | 108,000 | 144,000 |
| Noninterest expense | 194,000 | 396,000 | 603,000 | 813,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 2,000 |
| Pretax income | 86,000 | 184,000 | 286,000 | 379,000 |
| Income tax | 3,000 | 7,000 | 11,000 | 16,000 |
| Net income | 83,000 | 177,000 | 275,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,481,000 | 2,517,000 | 2,548,000 | 2,563,000 |
| Total capital | 2,665,000 | 2,701,000 | 2,734,000 | 2,749,000 |
| Risk-weighted assets | 17,235,000 | 17,156,000 | 17,441,000 | 17,465,000 |