Call reports 2003
COMMUNITY STATE BANK — 2003
What COMMUNITY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 45,531,000 | 45,260,000 | 47,329,000 | 42,765,000 |
| Total loans | 27,917,000 | 28,582,000 | 27,730,000 | 27,206,000 |
| Allowance for loan losses | 336,000 | 360,000 | 373,000 | 380,000 |
| Securities available for sale | 11,002,000 | 11,051,000 | 9,851,000 | 10,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,485,000 | 39,515,000 | 42,633,000 | 38,319,000 |
| Interest-bearing deposits | 33,264,000 | 31,288,000 | 33,658,000 | 29,737,000 |
| Noninterest-bearing deposits | 8,221,000 | 8,227,000 | 8,975,000 | 8,582,000 |
| Equity capital | 3,638,000 | 3,884,000 | 3,944,000 | 3,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 611,000 | 1,324,000 | 1,936,000 | 2,527,000 |
| Interest expense | 170,000 | 337,000 | 496,000 | 645,000 |
| Net interest income | 441,000 | 987,000 | 1,440,000 | 1,882,000 |
| Noninterest income | 181,000 | 365,000 | 549,000 | 720,000 |
| Noninterest expense | 419,000 | 825,000 | 1,234,000 | 1,718,000 |
| Provision for loan losses | 19,000 | 38,000 | 56,000 | 75,000 |
| Pretax income | 184,000 | 489,000 | 699,000 | 809,000 |
| Income tax | 45,000 | 129,000 | 178,000 | 226,000 |
| Net income | 139,000 | 360,000 | 521,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,451,000 | 3,673,000 | 3,821,000 | 3,660,000 |
| Total capital | 3,794,000 | 4,033,000 | 4,194,000 | 4,040,000 |
| Risk-weighted assets | 33,111,000 | 32,986,000 | 32,436,000 | 31,232,000 |
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