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 | 54,214,000 | 52,248,000 | 52,809,000 | 55,547,000 |
| Total loans | 27,371,000 | 27,358,000 | 29,284,000 | 28,700,000 |
| Allowance for loan losses | 383,000 | 383,000 | 384,000 | 384,000 |
| Securities available for sale | 19,985,000 | 20,002,000 | 18,358,000 | 18,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,403,000 | 39,937,000 | 40,027,000 | 43,575,000 |
| Interest-bearing deposits | 38,951,000 | 36,592,000 | 36,702,000 | 39,900,000 |
| Noninterest-bearing deposits | 3,452,000 | 3,345,000 | 3,325,000 | 3,675,000 |
| Equity capital | 5,160,000 | 5,276,000 | 5,303,000 | 5,221,000 |
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 | 590,000 | 1,152,000 | 1,704,000 | 2,259,000 |
| Interest expense | 272,000 | 524,000 | 759,000 | 978,000 |
| Net interest income | 318,000 | 628,000 | 945,000 | 1,281,000 |
| Noninterest income | 46,000 | 100,000 | 146,000 | 200,000 |
| Noninterest expense | 227,000 | 471,000 | 702,000 | 1,154,000 |
| Provision for loan losses | 0 | 2,000 | 28,000 | 28,000 |
| Pretax income | 137,000 | 255,000 | 361,000 | 299,000 |
| Income tax | 32,000 | 58,000 | 81,000 | 72,000 |
| Net income | 105,000 | 197,000 | 280,000 | 227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,055,000 | 5,147,000 | 5,229,000 | 5,177,000 |
| Total capital | 5,430,000 | 5,515,000 | 5,613,000 | 5,561,000 |
| Risk-weighted assets | 30,024,000 | 29,459,000 | 31,165,000 | 31,296,000 |