Call reports 2004
COMMUNITY STATE BANK OF ORBISONIA — 2004
What COMMUNITY STATE BANK OF ORBISONIA 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 | 168,867,000 | 173,650,000 | 175,223,000 | 177,394,000 |
| Total loans | 144,772,000 | 148,428,000 | 152,223,000 | 154,918,000 |
| Allowance for loan losses | 990,000 | 1,037,000 | 1,074,000 | 1,082,000 |
| Securities available for sale | 7,454,000 | 8,088,000 | 8,130,000 | 7,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,725,000 | 158,269,000 | 159,101,000 | 161,652,000 |
| Interest-bearing deposits | 144,049,000 | 148,597,000 | 149,670,000 | 149,587,000 |
| Noninterest-bearing deposits | 9,676,000 | 9,672,000 | 9,431,000 | 12,065,000 |
| Equity capital | 14,715,000 | 14,771,000 | 15,242,000 | 15,479,000 |
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 | 2,636,000 | 5,293,000 | 8,061,000 | 10,832,000 |
| Interest expense | 982,000 | 1,976,000 | 2,982,000 | 4,006,000 |
| Net interest income | 1,654,000 | 3,317,000 | 5,079,000 | 6,826,000 |
| Noninterest income | 175,000 | 370,000 | 600,000 | 821,000 |
| Noninterest expense | 1,056,000 | 2,201,000 | 3,344,000 | 4,535,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 668,000 | 1,276,000 | 2,020,000 | 2,692,000 |
| Income tax | 197,000 | 367,000 | 633,000 | 835,000 |
| Net income | 471,000 | 909,000 | 1,387,000 | 1,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,670,000 | 14,869,000 | 15,226,000 | 15,495,000 |
| Total capital | 15,660,000 | 15,906,000 | 16,300,000 | 16,577,000 |
| Risk-weighted assets | 111,427,000 | 116,528,000 | 119,264,000 | 121,004,000 |