Call reports 2002
COMMUNITY STATE BANK — 2002
What COMMUNITY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 55,467,000 | 53,409,000 | 52,275,000 | 54,737,000 |
| Total loans | 24,406,000 | 24,959,000 | 27,346,000 | 27,212,000 |
| Allowance for loan losses | 395,000 | 397,000 | 397,000 | 397,000 |
| Securities available for sale | 22,277,000 | 21,333,000 | 20,527,000 | 20,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,700,000 | 43,265,000 | 40,313,000 | 43,449,000 |
| Interest-bearing deposits | 42,073,000 | 39,821,000 | 37,459,000 | 40,011,000 |
| Noninterest-bearing deposits | 3,627,000 | 3,444,000 | 2,854,000 | 3,438,000 |
| Equity capital | 4,996,000 | 5,188,000 | 5,304,000 | 5,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 746,000 | 1,445,000 | 2,118,000 | 2,766,000 |
| Interest expense | 379,000 | 716,000 | 1,025,000 | 1,319,000 |
| Net interest income | 367,000 | 729,000 | 1,093,000 | 1,447,000 |
| Noninterest income | 50,000 | 89,000 | 130,000 | 170,000 |
| Noninterest expense | 215,000 | 457,000 | 709,000 | 1,111,000 |
| Provision for loan losses | 2,000 | 17,000 | 17,000 | 23,000 |
| Pretax income | 200,000 | 345,000 | 497,000 | 484,000 |
| Income tax | 58,000 | 88,000 | 133,000 | 114,000 |
| Net income | 142,000 | 257,000 | 364,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,899,000 | 5,015,000 | 5,121,000 | 5,128,000 |
| Total capital | 5,263,000 | 5,385,000 | 5,510,000 | 5,510,000 |
| Risk-weighted assets | 29,022,000 | 29,606,000 | 30,333,000 | 30,507,000 |