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 | 76,969,000 | 78,454,000 | 76,673,000 | 81,391,000 |
| Total loans | 49,459,000 | 50,092,000 | 50,796,000 | 49,212,000 |
| Allowance for loan losses | 295,000 | 313,000 | 361,000 | 381,000 |
| Securities available for sale | 19,191,000 | 21,490,000 | 18,535,000 | 21,790,000 |
| Securities held to maturity | 845,000 | 783,000 | 829,000 | 826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,209,000 | 64,340,000 | 62,482,000 | 66,769,000 |
| Interest-bearing deposits | 55,562,000 | 56,937,000 | 55,018,000 | 56,851,000 |
| Noninterest-bearing deposits | 8,647,000 | 7,403,000 | 7,464,000 | 9,917,000 |
| Equity capital | 5,285,000 | 5,546,000 | 5,812,000 | 5,733,000 |
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 | 1,192,000 | 2,407,000 | 3,623,000 | 4,814,000 |
| Interest expense | 549,000 | 1,101,000 | 1,629,000 | 2,120,000 |
| Net interest income | 643,000 | 1,306,000 | 1,994,000 | 2,694,000 |
| Noninterest income | 148,000 | 296,000 | 465,000 | 650,000 |
| Noninterest expense | 592,000 | 1,148,000 | 1,720,000 | 2,312,000 |
| Provision for loan losses | 18,000 | 36,000 | 88,000 | 106,000 |
| Pretax income | 198,000 | 435,000 | 680,000 | 955,000 |
| Income tax | 68,000 | 154,000 | 238,000 | 342,000 |
| Net income | 130,000 | 281,000 | 442,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,961,000 | 5,119,000 | 5,286,000 | 5,213,000 |
| Total capital | 5,256,000 | 5,432,000 | 5,647,000 | 5,594,000 |
| Risk-weighted assets | 45,769,000 | 46,754,000 | 47,583,000 | 47,474,000 |