Call reports 2003
COMMUNITY STATE BANK, THE — 2003
What COMMUNITY STATE BANK, THE 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 | 133,081,000 | 132,410,000 | 130,456,000 | 130,625,000 |
| Total loans | 97,346,000 | 97,317,000 | 97,369,000 | 100,140,000 |
| Allowance for loan losses | 1,309,000 | 1,337,000 | 1,338,000 | 1,269,000 |
| Securities available for sale | 20,500,000 | 18,039,000 | 21,482,000 | 20,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,719,000 | 121,934,000 | 119,870,000 | 115,236,000 |
| Interest-bearing deposits | 102,464,000 | 100,740,000 | 97,497,000 | 91,201,000 |
| Noninterest-bearing deposits | 20,255,000 | 21,194,000 | 22,373,000 | 24,035,000 |
| Equity capital | 9,751,000 | 9,821,000 | 9,902,000 | 10,289,000 |
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 | 2,107,000 | 4,173,000 | 6,231,000 | 8,310,000 |
| Interest expense | 902,000 | 1,641,000 | 2,237,000 | 2,709,000 |
| Net interest income | 1,205,000 | 2,532,000 | 3,994,000 | 5,601,000 |
| Noninterest income | 202,000 | 460,000 | 721,000 | 967,000 |
| Noninterest expense | 1,151,000 | 2,332,000 | 3,523,000 | 4,681,000 |
| Provision for loan losses | 87,000 | 342,000 | 500,000 | 564,000 |
| Pretax income | 169,000 | 420,000 | 794,000 | 1,425,000 |
| Income tax | 56,000 | 65,000 | 162,000 | 389,000 |
| Net income | 113,000 | 355,000 | 632,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,006,000 | 9,158,000 | 9,435,000 | 9,735,000 |
| Total capital | 10,159,000 | 10,284,000 | 10,557,000 | 10,887,000 |
| Risk-weighted assets | 89,621,000 | 89,876,000 | 89,517,000 | 92,015,000 |