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 | 13,200,000 | 13,702,000 | 12,843,000 | 13,519,000 |
| Total loans | 6,960,000 | 8,020,000 | 8,502,000 | 9,268,000 |
| Allowance for loan losses | 113,000 | 113,000 | 113,000 | 114,000 |
| Securities available for sale | 0 | 0 | 3,633,000 | 3,123,000 |
| Securities held to maturity | 3,144,000 | 4,244,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,493,000 | 11,157,000 | 10,931,000 | 11,299,000 |
| Interest-bearing deposits | 9,999,000 | 9,472,000 | 9,678,000 | 9,560,000 |
| Noninterest-bearing deposits | 1,494,000 | 1,685,000 | 1,253,000 | 1,739,000 |
| Equity capital | 1,604,000 | 1,622,000 | 1,632,000 | 1,607,000 |
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 | 148,000 | 324,000 | 502,000 | 682,000 |
| Interest expense | 56,000 | 111,000 | 167,000 | 223,000 |
| Net interest income | 92,000 | 213,000 | 335,000 | 459,000 |
| Noninterest income | 14,000 | 19,000 | 27,000 | 33,000 |
| Noninterest expense | 85,000 | 186,000 | 300,000 | 446,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 21,000 | 46,000 | 62,000 | 45,000 |
| Income tax | 3,000 | 10,000 | 12,000 | 9,000 |
| Net income | 18,000 | 36,000 | 50,000 | 36,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,604,000 | 1,622,000 | 1,633,000 | 1,619,000 |
| Total capital | 1,704,000 | 1,732,000 | 1,745,000 | 1,733,000 |
| Risk-weighted assets | 8,018,000 | 8,795,000 | 8,962,000 | 9,467,000 |