Call reports 2004
CENTRAL STATE BANK — 2004
What CENTRAL 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 | 58,311,000 | 58,490,000 | 59,983,000 | 60,141,000 |
| Total loans | 41,428,000 | 43,154,000 | 42,561,000 | 42,821,000 |
| Allowance for loan losses | 439,000 | 440,000 | 439,000 | 432,000 |
| Securities available for sale | 3,674,000 | 3,622,000 | 4,621,000 | 5,550,000 |
| Securities held to maturity | 7,000 | 5,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,219,000 | 50,275,000 | 51,796,000 | 51,859,000 |
| Interest-bearing deposits | 42,680,000 | 42,448,000 | 42,715,000 | 43,357,000 |
| Noninterest-bearing deposits | 7,539,000 | 7,827,000 | 9,081,000 | 8,502,000 |
| Equity capital | 7,609,000 | 7,704,000 | 7,713,000 | 7,811,000 |
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 | 778,000 | 1,537,000 | 2,315,000 | 3,093,000 |
| Interest expense | 177,000 | 354,000 | 528,000 | 705,000 |
| Net interest income | 601,000 | 1,183,000 | 1,787,000 | 2,388,000 |
| Noninterest income | 143,000 | 279,000 | 426,000 | 566,000 |
| Noninterest expense | 514,000 | 1,046,000 | 1,585,000 | 2,157,000 |
| Provision for loan losses | 2,000 | 3,000 | 4,000 | 3,000 |
| Pretax income | 228,000 | 413,000 | 624,000 | 794,000 |
| Income tax | 72,000 | 129,000 | 197,000 | 251,000 |
| Net income | 156,000 | 284,000 | 427,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,194,000 | 7,333,000 | 7,336,000 | 7,462,000 |
| Total capital | 7,633,000 | 7,773,000 | 7,775,000 | 7,894,000 |
| Risk-weighted assets | 43,867,000 | 45,137,000 | 45,707,000 | 46,854,000 |