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 | 115,361,000 | 113,886,000 | 115,963,000 | 117,461,000 |
| Total loans | 72,438,000 | 74,018,000 | 79,775,000 | 83,574,000 |
| Allowance for loan losses | 931,000 | 949,000 | 958,000 | 919,000 |
| Securities available for sale | 24,144,000 | 26,055,000 | 26,659,000 | 24,780,000 |
| Securities held to maturity | 2,782,000 | 2,779,000 | 1,915,000 | 1,913,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,880,000 | 90,753,000 | 90,632,000 | 90,853,000 |
| Interest-bearing deposits | 83,049,000 | 81,500,000 | 81,098,000 | 80,976,000 |
| Noninterest-bearing deposits | 8,831,000 | 9,253,000 | 9,534,000 | 9,877,000 |
| Equity capital | 10,909,000 | 10,640,000 | 11,257,000 | 11,411,000 |
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 | 1,535,000 | 3,067,000 | 4,612,000 | 6,262,000 |
| Interest expense | 470,000 | 928,000 | 1,393,000 | 1,882,000 |
| Net interest income | 1,065,000 | 2,139,000 | 3,219,000 | 4,380,000 |
| Noninterest income | 278,000 | 517,000 | 747,000 | 972,000 |
| Noninterest expense | 1,022,000 | 2,072,000 | 3,089,000 | 4,209,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 307,000 | 555,000 | 829,000 | 1,062,000 |
| Income tax | 92,000 | 159,000 | 207,000 | 241,000 |
| Net income | 215,000 | 396,000 | 622,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,858,000 | 11,007,000 | 11,201,000 | 11,368,000 |
| Total capital | 11,729,000 | 11,872,000 | 12,079,000 | 12,287,000 |
| Risk-weighted assets | 69,580,000 | 69,142,000 | 73,074,000 | 73,018,000 |
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