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 | 52,778,000 | 53,363,000 | 51,995,000 | 55,605,000 |
| Total loans | 32,069,000 | 32,531,000 | 32,573,000 | 31,049,000 |
| Allowance for loan losses | 395,000 | 388,000 | 388,000 | 364,000 |
| Securities available for sale | 14,437,000 | 13,858,000 | 13,899,000 | 15,082,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,009,000 | 46,592,000 | 45,178,000 | 48,904,000 |
| Interest-bearing deposits | 40,692,000 | 41,199,000 | 39,937,000 | 42,304,000 |
| Noninterest-bearing deposits | 5,317,000 | 5,393,000 | 5,241,000 | 6,600,000 |
| Equity capital | 6,047,000 | 6,208,000 | 6,061,000 | 6,199,000 |
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 | 751,000 | 1,515,000 | 2,243,000 | 2,950,000 |
| Interest expense | 216,000 | 410,000 | 568,000 | 718,000 |
| Net interest income | 535,000 | 1,105,000 | 1,675,000 | 2,232,000 |
| Noninterest income | 66,000 | 120,000 | 179,000 | 243,000 |
| Noninterest expense | 377,000 | 814,000 | 1,207,000 | 1,611,000 |
| Provision for loan losses | 20,000 | 25,000 | 25,000 | 40,000 |
| Pretax income | 204,000 | 386,000 | 622,000 | 824,000 |
| Income tax | 62,000 | 120,000 | 195,000 | 255,000 |
| Net income | 142,000 | 266,000 | 427,000 | 569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,578,000 | 5,715,000 | 5,690,000 | 5,845,000 |
| Total capital | 5,973,000 | 6,103,000 | 6,078,000 | 6,209,000 |
| Risk-weighted assets | 33,377,000 | 34,116,000 | 34,227,000 | 33,651,000 |