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 | 131,485,000 | 131,604,000 | 131,316,000 | 133,229,000 |
| Total loans | 76,777,000 | 80,275,000 | 82,056,000 | 82,468,000 |
| Allowance for loan losses | 1,094,000 | 1,005,000 | 948,000 | 901,000 |
| Securities available for sale | 12,011,000 | 11,241,000 | 8,707,000 | 7,596,000 |
| Securities held to maturity | 28,707,000 | 31,145,000 | 30,911,000 | 30,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,831,000 | 115,834,000 | 115,389,000 | 117,148,000 |
| Interest-bearing deposits | 107,424,000 | 107,246,000 | 106,455,000 | 109,219,000 |
| Noninterest-bearing deposits | 8,407,000 | 8,588,000 | 8,934,000 | 7,929,000 |
| Equity capital | 15,042,000 | 15,058,000 | 15,207,000 | 15,254,000 |
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 | 1,725,000 | 3,459,000 | 5,241,000 | 7,026,000 |
| Interest expense | 371,000 | 729,000 | 1,109,000 | 1,501,000 |
| Net interest income | 1,354,000 | 2,730,000 | 4,132,000 | 5,525,000 |
| Noninterest income | 240,000 | 507,000 | 726,000 | 983,000 |
| Noninterest expense | 1,163,000 | 2,372,000 | 3,583,000 | 4,894,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 406,000 | 840,000 | 1,250,000 | 1,589,000 |
| Income tax | 120,000 | 232,000 | 344,000 | 413,000 |
| Net income | 286,000 | 608,000 | 906,000 | 1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,576,000 | 14,745,000 | 14,903,000 | 14,993,000 |
| Total capital | 15,587,000 | 15,750,000 | 15,851,000 | 15,894,000 |
| Risk-weighted assets | 80,802,000 | 83,050,000 | 83,807,000 | 85,438,000 |