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 | 26,925,000 | 26,740,000 | 27,727,000 | 26,320,000 |
| Total loans | 12,823,000 | 12,010,000 | 13,057,000 | 13,006,000 |
| Allowance for loan losses | 283,000 | 283,000 | 283,000 | 283,000 |
| Securities available for sale | 1,424,000 | 1,327,000 | 1,318,000 | 1,893,000 |
| Securities held to maturity | 10,301,000 | 10,950,000 | 9,478,000 | 10,089,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,119,000 | 22,637,000 | 23,835,000 | 22,420,000 |
| Interest-bearing deposits | 21,110,000 | 20,326,000 | 19,977,000 | 20,159,000 |
| Noninterest-bearing deposits | 2,009,000 | 2,311,000 | 3,858,000 | 2,261,000 |
| Equity capital | 3,580,000 | 3,641,000 | 3,686,000 | 3,694,000 |
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 | 329,000 | 655,000 | 960,000 | 1,266,000 |
| Interest expense | 141,000 | 265,000 | 371,000 | 469,000 |
| Net interest income | 188,000 | 390,000 | 589,000 | 797,000 |
| Noninterest income | 6,000 | 18,000 | 24,000 | 34,000 |
| Noninterest expense | 145,000 | 275,000 | 409,000 | 575,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 49,000 | 133,000 | 204,000 | 257,000 |
| Income tax | 15,000 | 39,000 | 61,000 | 74,000 |
| Net income | 34,000 | 94,000 | 143,000 | 183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,569,000 | 3,629,000 | 3,678,000 | 3,688,000 |
| Total capital | 3,805,000 | 3,878,000 | 3,940,000 | 3,947,000 |
| Risk-weighted assets | 19,276,000 | 19,853,000 | 20,955,000 | 21,163,000 |