Call reports 2004
CHARLEVOIX STATE BANK — 2004
What CHARLEVOIX 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 | 126,902,000 | 119,717,000 | 126,968,000 | 123,152,000 |
| Total loans | 94,391,000 | 99,726,000 | 99,262,000 | 98,814,000 |
| Allowance for loan losses | 1,038,000 | 1,059,000 | 1,059,000 | 1,034,000 |
| Securities available for sale | 13,648,000 | 10,962,000 | 14,936,000 | 14,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,007,000 | 103,668,000 | 110,819,000 | 105,377,000 |
| Interest-bearing deposits | 91,461,000 | 83,374,000 | 88,824,000 | 82,008,000 |
| Noninterest-bearing deposits | 18,546,000 | 20,294,000 | 21,995,000 | 23,369,000 |
| Equity capital | 10,219,000 | 10,343,000 | 10,877,000 | 11,223,000 |
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 | 1,663,000 | 3,315,000 | 5,044,000 | 6,829,000 |
| Interest expense | 368,000 | 737,000 | 1,097,000 | 1,512,000 |
| Net interest income | 1,295,000 | 2,578,000 | 3,947,000 | 5,317,000 |
| Noninterest income | 197,000 | 389,000 | 782,000 | 1,006,000 |
| Noninterest expense | 864,000 | 1,703,000 | 2,774,000 | 3,826,000 |
| Provision for loan losses | 33,000 | 33,000 | 33,000 | 33,000 |
| Pretax income | 595,000 | 1,231,000 | 1,922,000 | 2,464,000 |
| Income tax | 190,000 | 398,000 | 618,000 | 770,000 |
| Net income | 405,000 | 833,000 | 1,304,000 | 1,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,011,000 | 10,333,000 | 10,780,000 | 11,170,000 |
| Total capital | 11,049,000 | 11,392,000 | 11,839,000 | 12,204,000 |
| Risk-weighted assets | 89,336,000 | 92,125,000 | 93,079,000 | 92,030,000 |
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