Call reports 2004
CITY STATE BANK — 2004
What CITY 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 | 39,757,000 | 63,831,000 | 65,444,000 | 63,954,000 |
| Total loans | 24,380,000 | 43,365,000 | 45,112,000 | 42,966,000 |
| Allowance for loan losses | 521,000 | 951,000 | 927,000 | 904,000 |
| Securities available for sale | 10,105,000 | 14,097,000 | 14,255,000 | 13,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,793,000 | 51,961,000 | 50,553,000 | 52,328,000 |
| Interest-bearing deposits | 24,113,000 | 45,433,000 | 44,000,000 | 44,699,000 |
| Noninterest-bearing deposits | 3,680,000 | 6,528,000 | 6,553,000 | 7,629,000 |
| Equity capital | 8,161,000 | 7,986,000 | 8,264,000 | 8,251,000 |
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 | 551,000 | 1,390,000 | 2,319,000 | 3,249,000 |
| Interest expense | 136,000 | 354,000 | 578,000 | 816,000 |
| Net interest income | 415,000 | 1,036,000 | 1,741,000 | 2,433,000 |
| Noninterest income | 24,000 | 85,000 | 156,000 | 245,000 |
| Noninterest expense | 247,000 | 689,000 | 1,168,000 | 1,738,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 192,000 | 432,000 | 729,000 | 940,000 |
| Income tax | 53,000 | 121,000 | 207,000 | 264,000 |
| Net income | 139,000 | 311,000 | 522,000 | 676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,857,000 | 4,857,000 | 4,968,000 | 5,102,000 |
| Total capital | 6,217,000 | 5,475,000 | 5,611,000 | 5,728,000 |
| Risk-weighted assets | 28,612,000 | 49,076,000 | 51,131,000 | 49,806,000 |
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