Call reports 2002
COMMUNITY STATE BANK — 2002
What COMMUNITY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 23,236,000 | 23,406,000 | 23,355,000 | 24,764,000 |
| Total loans | 18,434,000 | 19,094,000 | 19,948,000 | 20,262,000 |
| Allowance for loan losses | 323,000 | 392,000 | 389,000 | 352,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 726,000 | 722,000 | 846,000 | 743,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,213,000 | 21,366,000 | 21,215,000 | 22,623,000 |
| Interest-bearing deposits | 17,746,000 | 18,093,000 | 18,083,000 | 18,896,000 |
| Noninterest-bearing deposits | 3,467,000 | 3,273,000 | 3,132,000 | 3,727,000 |
| Equity capital | 1,967,000 | 1,993,000 | 2,040,000 | 2,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 936,000 | 1,407,000 | 1,879,000 |
| Interest expense | 151,000 | 290,000 | 426,000 | 552,000 |
| Net interest income | 312,000 | 646,000 | 981,000 | 1,327,000 |
| Noninterest income | 71,000 | 157,000 | 245,000 | 321,000 |
| Noninterest expense | 269,000 | 514,000 | 799,000 | 1,088,000 |
| Provision for loan losses | 10,000 | 20,000 | 30,000 | 65,000 |
| Pretax income | 104,000 | 269,000 | 397,000 | 495,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 104,000 | 269,000 | 397,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,967,000 | 1,993,000 | 2,040,000 | 2,076,000 |
| Total capital | 2,205,000 | 2,238,000 | 2,293,000 | 2,333,000 |
| Risk-weighted assets | 18,955,000 | 19,486,000 | 20,103,000 | 20,537,000 |