Call reports 2004
COMMERCIAL STATE BANK OF BONNER SPRINGS — 2004
What COMMERCIAL STATE BANK OF BONNER SPRINGS 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 | 89,520,000 | 89,880,000 | 88,619,000 | 82,611,000 |
| Total loans | 44,498,000 | 44,430,000 | 46,849,000 | 50,944,000 |
| Allowance for loan losses | 547,000 | 554,000 | 577,000 | 761,000 |
| Securities available for sale | 40,875,000 | 41,055,000 | 36,946,000 | 27,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,469,000 | 75,905,000 | 75,196,000 | 69,246,000 |
| Interest-bearing deposits | 64,376,000 | 64,784,000 | 62,045,000 | 57,131,000 |
| Noninterest-bearing deposits | 12,093,000 | 11,121,000 | 13,151,000 | 12,115,000 |
| Equity capital | 7,969,000 | 7,314,000 | 7,757,000 | 7,780,000 |
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 | 1,035,000 | 2,084,000 | 3,191,000 | 4,322,000 |
| Interest expense | 282,000 | 554,000 | 834,000 | 1,103,000 |
| Net interest income | 753,000 | 1,530,000 | 2,357,000 | 3,219,000 |
| Noninterest income | 192,000 | 393,000 | 597,000 | 817,000 |
| Noninterest expense | 576,000 | 1,159,000 | 1,746,000 | 2,417,000 |
| Provision for loan losses | 0 | 10,000 | 80,000 | 256,000 |
| Pretax income | 369,000 | 754,000 | 1,122,000 | 1,431,000 |
| Income tax | 8,000 | 25,000 | 40,000 | 53,000 |
| Net income | 361,000 | 729,000 | 1,082,000 | 1,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,004,000 | 7,282,000 | 7,141,000 | 7,353,000 |
| Total capital | 7,551,000 | 7,836,000 | 7,718,000 | 8,036,000 |
| Risk-weighted assets | 50,680,000 | 51,015,000 | 52,494,000 | 54,589,000 |