Call reports 2004
CITY STATE BANK — 2004
What CITY 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 | 127,318,000 | 133,742,000 | 133,480,000 | 134,154,000 |
| Total loans | 80,812,000 | 87,943,000 | 89,635,000 | 97,346,000 |
| Allowance for loan losses | 946,000 | 981,000 | 1,014,000 | 1,049,000 |
| Securities available for sale | 2,231,000 | 4,573,000 | 4,333,000 | 4,812,000 |
| Securities held to maturity | 4,447,000 | 3,670,000 | 3,569,000 | 3,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,499,000 | 120,824,000 | 120,262,000 | 118,481,000 |
| Interest-bearing deposits | 94,702,000 | 100,742,000 | 100,356,000 | 93,306,000 |
| Noninterest-bearing deposits | 19,797,000 | 20,082,000 | 19,906,000 | 25,175,000 |
| Equity capital | 10,798,000 | 10,938,000 | 11,221,000 | 11,633,000 |
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 | 1,440,000 | 2,978,000 | 4,561,000 | 6,216,000 |
| Interest expense | 454,000 | 914,000 | 1,394,000 | 1,865,000 |
| Net interest income | 986,000 | 2,064,000 | 3,167,000 | 4,351,000 |
| Noninterest income | 246,000 | 555,000 | 840,000 | 1,162,000 |
| Noninterest expense | 870,000 | 1,834,000 | 2,762,000 | 3,748,000 |
| Provision for loan losses | 5,000 | 43,000 | 76,000 | 140,000 |
| Pretax income | 357,000 | 742,000 | 1,169,000 | 1,625,000 |
| Income tax | 18,000 | 37,000 | 59,000 | 80,000 |
| Net income | 339,000 | 705,000 | 1,110,000 | 1,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,932,000 | 10,139,000 | 10,383,000 | 10,819,000 |
| Total capital | 10,878,000 | 11,120,000 | 11,397,000 | 11,868,000 |
| Risk-weighted assets | 88,626,000 | 94,360,000 | 95,394,000 | 100,469,000 |