Call reports 2004
COMMUNITY STATE BANK, THE — 2004
What COMMUNITY STATE BANK, THE 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 | 132,447,000 | 129,191,000 | 128,658,000 | 125,534,000 |
| Total loans | 103,030,000 | 101,980,000 | 98,757,000 | 97,360,000 |
| Allowance for loan losses | 1,262,000 | 1,226,000 | 1,293,000 | 1,427,000 |
| Securities available for sale | 16,041,000 | 14,248,000 | 13,969,000 | 16,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,032,000 | 112,104,000 | 112,024,000 | 110,231,000 |
| Interest-bearing deposits | 91,775,000 | 88,660,000 | 88,703,000 | 86,174,000 |
| Noninterest-bearing deposits | 23,257,000 | 23,444,000 | 23,321,000 | 24,057,000 |
| Equity capital | 10,720,000 | 10,696,000 | 11,161,000 | 11,045,000 |
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 | 1,992,000 | 3,885,000 | 5,786,000 | 7,646,000 |
| Interest expense | 404,000 | 794,000 | 1,172,000 | 1,516,000 |
| Net interest income | 1,588,000 | 3,091,000 | 4,614,000 | 6,130,000 |
| Noninterest income | 253,000 | 482,000 | 746,000 | 713,000 |
| Noninterest expense | 1,178,000 | 2,321,000 | 3,570,000 | 4,781,000 |
| Provision for loan losses | 78,000 | 181,000 | 296,000 | 581,000 |
| Pretax income | 583,000 | 1,069,000 | 1,492,000 | 1,479,000 |
| Income tax | 218,000 | 400,000 | 583,000 | 573,000 |
| Net income | 365,000 | 669,000 | 909,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,099,000 | 10,343,000 | 10,583,000 | 10,500,000 |
| Total capital | 11,264,000 | 11,491,000 | 11,689,000 | 11,576,000 |
| Risk-weighted assets | 93,075,000 | 91,790,000 | 88,284,000 | 85,693,000 |