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 | 53,624,000 | 50,426,000 | 50,833,000 | 53,431,000 |
| Total loans | 27,303,000 | 27,730,000 | 29,609,000 | 29,224,000 |
| Allowance for loan losses | 386,000 | 386,000 | 386,000 | 398,000 |
| Securities available for sale | 18,810,000 | 17,942,000 | 15,393,000 | 18,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,940,000 | 38,118,000 | 39,568,000 | 42,540,000 |
| Interest-bearing deposits | 38,004,000 | 34,432,000 | 35,636,000 | 38,119,000 |
| Noninterest-bearing deposits | 3,935,000 | 3,686,000 | 3,932,000 | 4,421,000 |
| Equity capital | 5,209,000 | 5,181,000 | 5,313,000 | 5,249,000 |
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 | 533,000 | 1,057,000 | 1,600,000 | 2,164,000 |
| Interest expense | 209,000 | 403,000 | 607,000 | 832,000 |
| Net interest income | 324,000 | 654,000 | 993,000 | 1,332,000 |
| Noninterest income | 59,000 | 125,000 | 189,000 | 250,000 |
| Noninterest expense | 234,000 | 474,000 | 684,000 | 1,129,000 |
| Provision for loan losses | 3,000 | 3,000 | 25,000 | 37,000 |
| Pretax income | 146,000 | 302,000 | 473,000 | 416,000 |
| Income tax | 41,000 | 89,000 | 140,000 | 124,000 |
| Net income | 105,000 | 213,000 | 333,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,148,000 | 5,212,000 | 5,331,000 | 5,290,000 |
| Total capital | 5,511,000 | 5,572,000 | 5,710,000 | 5,670,000 |
| Risk-weighted assets | 29,005,000 | 28,803,000 | 30,309,000 | 30,398,000 |