Call reports 2004
COMMUNITY STATE BANK — 2004
What COMMUNITY STATE BANK 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 | 25,950,000 | 25,912,000 | 26,056,000 | 27,210,000 |
| Total loans | 20,706,000 | 20,119,000 | 20,034,000 | 20,720,000 |
| Allowance for loan losses | 302,000 | 278,000 | 284,000 | 282,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 570,000 | 695,000 | 892,000 | 892,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,627,000 | 23,578,000 | 23,693,000 | 24,851,000 |
| Interest-bearing deposits | 19,120,000 | 18,579,000 | 18,296,000 | 17,917,000 |
| Noninterest-bearing deposits | 4,507,000 | 4,999,000 | 5,397,000 | 6,934,000 |
| Equity capital | 2,296,000 | 2,316,000 | 2,324,000 | 2,343,000 |
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 | 452,000 | 896,000 | 1,349,000 | 1,807,000 |
| Interest expense | 77,000 | 149,000 | 218,000 | 288,000 |
| Net interest income | 375,000 | 747,000 | 1,131,000 | 1,519,000 |
| Noninterest income | 80,000 | 174,000 | 254,000 | 326,000 |
| Noninterest expense | 280,000 | 571,000 | 899,000 | 1,255,000 |
| Provision for loan losses | 45,000 | 110,000 | 140,000 | 155,000 |
| Pretax income | 130,000 | 240,000 | 346,000 | 435,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 130,000 | 240,000 | 346,000 | 435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,296,000 | 2,316,000 | 2,324,000 | 2,343,000 |
| Total capital | 2,562,000 | 2,581,000 | 2,583,000 | 2,612,000 |
| Risk-weighted assets | 21,244,000 | 21,159,000 | 20,670,000 | 21,474,000 |