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 | 126,159,000 | 126,673,000 | 127,145,000 | 131,104,000 |
| Total loans | 72,823,000 | 74,030,000 | 76,675,000 | 76,379,000 |
| Allowance for loan losses | 1,012,000 | 1,072,000 | 1,099,000 | 1,069,000 |
| Securities available for sale | 14,993,000 | 15,388,000 | 14,494,000 | 13,875,000 |
| Securities held to maturity | 27,055,000 | 28,134,000 | 26,487,000 | 25,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,918,000 | 110,500,000 | 111,553,000 | 115,399,000 |
| Interest-bearing deposits | 103,938,000 | 102,823,000 | 103,386,000 | 107,130,000 |
| Noninterest-bearing deposits | 6,980,000 | 7,677,000 | 8,167,000 | 8,269,000 |
| Equity capital | 14,592,000 | 14,907,000 | 14,950,000 | 14,894,000 |
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 | 1,911,000 | 3,788,000 | 5,607,000 | 7,375,000 |
| Interest expense | 529,000 | 991,000 | 1,427,000 | 1,825,000 |
| Net interest income | 1,382,000 | 2,797,000 | 4,180,000 | 5,550,000 |
| Noninterest income | 288,000 | 621,000 | 850,000 | 1,083,000 |
| Noninterest expense | 1,105,000 | 2,142,000 | 3,354,000 | 4,665,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 210,000 |
| Pretax income | 505,000 | 1,156,000 | 1,496,000 | 1,758,000 |
| Income tax | 140,000 | 348,000 | 431,000 | 463,000 |
| Net income | 365,000 | 808,000 | 1,065,000 | 1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,210,000 | 14,502,000 | 14,610,000 | 14,642,000 |
| Total capital | 15,151,000 | 15,469,000 | 15,607,000 | 15,652,000 |
| Risk-weighted assets | 75,174,000 | 77,260,000 | 79,626,000 | 80,703,000 |