Call reports 2003
COMMUNITY STATE BANK — 2003
What COMMUNITY STATE BANK 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 | 25,616,000 | 27,050,000 | 27,426,000 | 26,996,000 |
| Total loans | 20,207,000 | 20,174,000 | 19,569,000 | 20,010,000 |
| Allowance for loan losses | 312,000 | 304,000 | 307,000 | 307,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 748,000 | 722,000 | 973,000 | 1,021,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,450,000 | 24,779,000 | 25,109,000 | 24,665,000 |
| Interest-bearing deposits | 19,484,000 | 20,666,000 | 20,102,000 | 19,784,000 |
| Noninterest-bearing deposits | 3,966,000 | 4,113,000 | 5,007,000 | 4,881,000 |
| Equity capital | 2,096,000 | 2,211,000 | 2,235,000 | 2,276,000 |
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 | 468,000 | 935,000 | 1,389,000 | 1,841,000 |
| Interest expense | 113,000 | 219,000 | 319,000 | 406,000 |
| Net interest income | 355,000 | 716,000 | 1,070,000 | 1,435,000 |
| Noninterest income | 82,000 | 190,000 | 266,000 | 343,000 |
| Noninterest expense | 265,000 | 545,000 | 841,000 | 1,173,000 |
| Provision for loan losses | 25,000 | 85,000 | 110,000 | 125,000 |
| Pretax income | 147,000 | 276,000 | 385,000 | 480,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 147,000 | 276,000 | 385,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,096,000 | 2,211,000 | 2,235,000 | 2,276,000 |
| Total capital | 2,355,000 | 2,472,000 | 2,495,000 | 2,538,000 |
| Risk-weighted assets | 20,656,000 | 20,844,000 | 20,764,000 | 20,891,000 |