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 | 450,365,000 | 462,783,000 | 473,464,000 | 489,697,000 |
| Total loans | 248,815,000 | 257,529,000 | 270,654,000 | 292,897,000 |
| Allowance for loan losses | 2,454,000 | 2,501,000 | 2,561,000 | 2,806,000 |
| Securities available for sale | 160,868,000 | 169,740,000 | 167,889,000 | 161,949,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,389,000 | 294,092,000 | 287,412,000 | 314,921,000 |
| Interest-bearing deposits | 238,619,000 | 229,650,000 | 218,824,000 | 245,767,000 |
| Noninterest-bearing deposits | 62,770,000 | 64,442,000 | 68,588,000 | 69,154,000 |
| Equity capital | 44,871,000 | 42,916,000 | 46,012,000 | 46,453,000 |
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 | 5,327,000 | 10,554,000 | 16,013,000 | 21,980,000 |
| Interest expense | 1,663,000 | 3,259,000 | 5,076,000 | 7,174,000 |
| Net interest income | 3,664,000 | 7,295,000 | 10,937,000 | 14,806,000 |
| Noninterest income | 1,371,000 | 2,872,000 | 4,496,000 | 5,935,000 |
| Noninterest expense | 3,181,000 | 6,749,000 | 10,130,000 | 13,412,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 590,000 |
| Pretax income | 2,332,000 | 3,836,000 | 5,661,000 | 7,277,000 |
| Income tax | 852,000 | 1,398,000 | 2,065,000 | 2,649,000 |
| Net income | 1,480,000 | 2,438,000 | 3,596,000 | 4,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,780,000 | 38,769,000 | 39,994,000 | 41,105,000 |
| Total capital | 40,234,000 | 41,270,000 | 42,555,000 | 43,912,000 |
| Risk-weighted assets | 270,220,000 | 281,756,000 | 293,530,000 | 314,057,000 |