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 | 12,728,000 | 12,757,000 | 12,905,000 | 13,109,000 |
| Total loans | 6,817,000 | 6,843,000 | 7,089,000 | 7,060,000 |
| Allowance for loan losses | 113,000 | 113,000 | 113,000 | 113,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,335,000 | 3,625,000 | 3,370,000 | 3,144,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,002,000 | 11,048,000 | 11,097,000 | 11,362,000 |
| Interest-bearing deposits | 9,663,000 | 9,723,000 | 9,763,000 | 9,755,000 |
| Noninterest-bearing deposits | 1,339,000 | 1,325,000 | 1,334,000 | 1,607,000 |
| Equity capital | 1,583,000 | 1,583,000 | 1,612,000 | 1,586,000 |
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 | 166,000 | 311,000 | 529,000 | 677,000 |
| Interest expense | 58,000 | 115,000 | 169,000 | 226,000 |
| Net interest income | 108,000 | 196,000 | 360,000 | 451,000 |
| Noninterest income | 11,000 | 19,000 | 25,000 | 32,000 |
| Noninterest expense | 75,000 | 175,000 | 282,000 | 435,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 44,000 | 40,000 | 103,000 | 48,000 |
| Income tax | 13,000 | 9,000 | 41,000 | 12,000 |
| Net income | 31,000 | 31,000 | 62,000 | 36,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,583,000 | 1,583,000 | 1,612,000 | 1,586,000 |
| Total capital | 1,676,000 | 1,676,000 | 1,712,000 | 1,688,000 |
| Risk-weighted assets | 7,418,000 | 7,438,000 | 8,027,000 | 8,165,000 |