Call reports 2002
COMMUNITY STATE BANK — 2002
What COMMUNITY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 121,634,000 | 121,338,000 | 122,387,000 | 125,238,000 |
| Total loans | 71,230,000 | 71,950,000 | 71,864,000 | 73,584,000 |
| Allowance for loan losses | 1,081,000 | 1,030,000 | 1,006,000 | 1,007,000 |
| Securities available for sale | 18,454,000 | 22,076,000 | 22,517,000 | 22,007,000 |
| Securities held to maturity | 17,309,000 | 15,567,000 | 17,524,000 | 20,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,899,000 | 106,601,000 | 106,605,000 | 109,473,000 |
| Interest-bearing deposits | 99,974,000 | 99,187,000 | 98,555,000 | 101,505,000 |
| Noninterest-bearing deposits | 6,925,000 | 7,414,000 | 8,050,000 | 7,968,000 |
| Equity capital | 13,518,000 | 13,980,000 | 14,456,000 | 14,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,051,000 | 4,068,000 | 6,075,000 | 8,072,000 |
| Interest expense | 656,000 | 1,307,000 | 1,946,000 | 2,530,000 |
| Net interest income | 1,395,000 | 2,761,000 | 4,129,000 | 5,542,000 |
| Noninterest income | 244,000 | 486,000 | 727,000 | 1,043,000 |
| Noninterest expense | 1,044,000 | 2,034,000 | 3,138,000 | 4,319,000 |
| Provision for loan losses | 60,000 | 90,000 | 120,000 | 165,000 |
| Pretax income | 535,000 | 1,123,000 | 1,598,000 | 2,101,000 |
| Income tax | 149,000 | 325,000 | 457,000 | 595,000 |
| Net income | 386,000 | 798,000 | 1,141,000 | 1,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,336,000 | 13,614,000 | 13,823,000 | 13,844,000 |
| Total capital | 14,245,000 | 14,528,000 | 14,739,000 | 14,786,000 |
| Risk-weighted assets | 72,527,000 | 73,007,000 | 73,202,000 | 75,299,000 |