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 | 52,473,000 | 52,852,000 | 51,370,000 | 53,758,000 |
| Total loans | 31,336,000 | 32,704,000 | 33,092,000 | 32,518,000 |
| Allowance for loan losses | 378,000 | 388,000 | 413,000 | 408,000 |
| Securities available for sale | 15,030,000 | 13,368,000 | 13,379,000 | 14,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,139,000 | 46,414,000 | 44,649,000 | 47,080,000 |
| Interest-bearing deposits | 40,600,000 | 40,858,000 | 39,419,000 | 41,458,000 |
| Noninterest-bearing deposits | 5,539,000 | 5,556,000 | 5,230,000 | 5,622,000 |
| Equity capital | 5,720,000 | 5,953,000 | 5,984,000 | 6,107,000 |
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 | 823,000 | 1,611,000 | 2,429,000 | 3,238,000 |
| Interest expense | 308,000 | 583,000 | 851,000 | 1,089,000 |
| Net interest income | 515,000 | 1,028,000 | 1,578,000 | 2,149,000 |
| Noninterest income | 70,000 | 127,000 | 190,000 | 273,000 |
| Noninterest expense | 337,000 | 716,000 | 1,087,000 | 1,490,000 |
| Provision for loan losses | 0 | 21,000 | 60,000 | 60,000 |
| Pretax income | 248,000 | 418,000 | 621,000 | 872,000 |
| Income tax | 73,000 | 122,000 | 204,000 | 300,000 |
| Net income | 175,000 | 296,000 | 417,000 | 572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,347,000 | 5,480,000 | 5,455,000 | 5,623,000 |
| Total capital | 5,725,000 | 5,868,000 | 5,868,000 | 6,031,000 |
| Risk-weighted assets | 32,384,000 | 33,401,000 | 33,618,000 | 33,775,000 |