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 | 53,476,000 | 52,610,000 | 61,074,000 | 64,291,000 |
| Total loans | 30,589,000 | 31,574,000 | 35,434,000 | 34,099,000 |
| Allowance for loan losses | 380,000 | 396,000 | 435,000 | 453,000 |
| Securities available for sale | 16,659,000 | 13,697,000 | 16,050,000 | 18,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,508,000 | 46,115,000 | 54,129,000 | 57,613,000 |
| Interest-bearing deposits | 39,822,000 | 39,836,000 | 46,548,000 | 49,005,000 |
| Noninterest-bearing deposits | 6,686,000 | 6,279,000 | 7,581,000 | 8,608,000 |
| Equity capital | 6,201,000 | 6,036,000 | 6,115,000 | 6,172,000 |
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 | 701,000 | 1,393,000 | 2,183,000 | 2,961,000 |
| Interest expense | 144,000 | 278,000 | 436,000 | 588,000 |
| Net interest income | 557,000 | 1,115,000 | 1,747,000 | 2,373,000 |
| Noninterest income | 64,000 | 122,000 | 184,000 | 253,000 |
| Noninterest expense | 418,000 | 896,000 | 1,377,000 | 1,906,000 |
| Provision for loan losses | 12,000 | 24,000 | 64,000 | 95,000 |
| Pretax income | 194,000 | 321,000 | 494,000 | 629,000 |
| Income tax | 58,000 | 90,000 | 141,000 | 181,000 |
| Net income | 136,000 | 231,000 | 353,000 | 448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,794,000 | 5,902,000 | 5,124,000 | 5,217,000 |
| Total capital | 6,174,000 | 6,298,000 | 5,559,000 | 5,670,000 |
| Risk-weighted assets | 32,630,000 | 37,385,000 | 37,014,000 | 36,654,000 |