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 | 27,465,000 | 26,335,000 | 26,864,000 | 26,920,000 |
| Total loans | 10,517,000 | 11,262,000 | 12,110,000 | 13,124,000 |
| Allowance for loan losses | 283,000 | 283,000 | 283,000 | 283,000 |
| Securities available for sale | 1,808,000 | 2,377,000 | 1,842,000 | 1,852,000 |
| Securities held to maturity | 12,337,000 | 10,950,000 | 10,344,000 | 10,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,551,000 | 22,463,000 | 22,953,000 | 22,988,000 |
| Interest-bearing deposits | 21,201,000 | 20,477,000 | 20,419,000 | 20,243,000 |
| Noninterest-bearing deposits | 2,350,000 | 1,986,000 | 2,534,000 | 2,745,000 |
| Equity capital | 3,729,000 | 3,762,000 | 3,821,000 | 3,818,000 |
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 | 286,000 | 558,000 | 840,000 | 1,135,000 |
| Interest expense | 93,000 | 179,000 | 263,000 | 350,000 |
| Net interest income | 193,000 | 379,000 | 577,000 | 785,000 |
| Noninterest income | 3,000 | 17,000 | 23,000 | 32,000 |
| Noninterest expense | 145,000 | 275,000 | 409,000 | 576,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 51,000 | 122,000 | 192,000 | 242,000 |
| Income tax | 15,000 | 33,000 | 53,000 | 68,000 |
| Net income | 36,000 | 89,000 | 139,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,724,000 | 3,777,000 | 3,827,000 | 3,832,000 |
| Total capital | 3,964,000 | 4,025,000 | 4,080,000 | 4,100,000 |
| Risk-weighted assets | 19,478,000 | 19,787,000 | 20,205,000 | 21,422,000 |