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 | 45,841,000 | 45,729,000 | 43,840,000 | 41,821,000 |
| Total loans | 27,599,000 | 26,869,000 | 27,377,000 | 26,974,000 |
| Allowance for loan losses | 398,000 | 411,000 | 441,000 | 426,000 |
| Securities available for sale | 12,512,000 | 12,455,000 | 12,366,000 | 11,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,167,000 | 41,309,000 | 38,322,000 | 37,087,000 |
| Interest-bearing deposits | 33,296,000 | 32,187,000 | 29,143,000 | 27,972,000 |
| Noninterest-bearing deposits | 7,871,000 | 9,122,000 | 9,179,000 | 9,115,000 |
| Equity capital | 3,985,000 | 3,896,000 | 4,207,000 | 3,831,000 |
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 | 585,000 | 1,177,000 | 1,775,000 | 2,365,000 |
| Interest expense | 139,000 | 267,000 | 385,000 | 502,000 |
| Net interest income | 446,000 | 910,000 | 1,390,000 | 1,863,000 |
| Noninterest income | 154,000 | 321,000 | 500,000 | 650,000 |
| Noninterest expense | 395,000 | 817,000 | 1,219,000 | 1,666,000 |
| Provision for loan losses | 19,000 | 38,000 | 50,000 | 50,000 |
| Pretax income | 186,000 | 376,000 | 621,000 | 792,000 |
| Income tax | 45,000 | 93,000 | 155,000 | 210,000 |
| Net income | 141,000 | 283,000 | 466,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,800,000 | 3,942,000 | 4,126,000 | 3,792,000 |
| Total capital | 4,198,000 | 4,342,000 | 4,506,000 | 4,166,000 |
| Risk-weighted assets | 32,263,000 | 31,985,000 | 30,346,000 | 29,883,000 |
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