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 | 441,352,000 | 437,713,000 | 413,918,000 | 470,706,000 |
| Total loans | 232,240,000 | 233,984,000 | 230,666,000 | 236,162,000 |
| Allowance for loan losses | 2,372,000 | 2,229,000 | 2,226,000 | 2,393,000 |
| Securities available for sale | 140,577,000 | 92,512,000 | 150,100,000 | 194,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,602,000 | 307,595,000 | 293,477,000 | 297,570,000 |
| Interest-bearing deposits | 244,961,000 | 244,619,000 | 233,374,000 | 237,375,000 |
| Noninterest-bearing deposits | 62,641,000 | 62,976,000 | 60,103,000 | 60,195,000 |
| Equity capital | 40,513,000 | 40,938,000 | 41,918,000 | 42,781,000 |
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 | 4,737,000 | 9,268,000 | 13,615,000 | 18,638,000 |
| Interest expense | 1,960,000 | 3,787,000 | 5,369,000 | 7,002,000 |
| Net interest income | 2,777,000 | 5,481,000 | 8,246,000 | 11,636,000 |
| Noninterest income | 1,395,000 | 2,954,000 | 4,555,000 | 5,917,000 |
| Noninterest expense | 3,208,000 | 6,336,000 | 9,422,000 | 12,509,000 |
| Provision for loan losses | 0 | 0 | 0 | 180,000 |
| Pretax income | 964,000 | 2,099,000 | 3,379,000 | 4,864,000 |
| Income tax | 373,000 | 810,000 | 1,294,000 | 1,833,000 |
| Net income | 591,000 | 1,289,000 | 2,085,000 | 3,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,634,000 | 34,321,000 | 35,196,000 | 36,221,000 |
| Total capital | 36,006,000 | 36,550,000 | 37,422,000 | 38,614,000 |
| Risk-weighted assets | 246,932,000 | 250,127,000 | 247,263,000 | 262,532,000 |