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 | 79,515,000 | 80,275,000 | 79,735,000 | 82,432,000 |
| Total loans | 51,475,000 | 51,017,000 | 51,890,000 | 51,742,000 |
| Allowance for loan losses | 377,000 | 378,000 | 385,000 | 386,000 |
| Securities available for sale | 21,822,000 | 21,711,000 | 21,474,000 | 21,887,000 |
| Securities held to maturity | 1,174,000 | 1,698,000 | 1,840,000 | 1,838,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,815,000 | 63,506,000 | 62,787,000 | 66,720,000 |
| Interest-bearing deposits | 53,477,000 | 53,443,000 | 52,899,000 | 54,195,000 |
| Noninterest-bearing deposits | 9,337,000 | 10,063,000 | 9,888,000 | 12,525,000 |
| Equity capital | 6,045,000 | 5,902,000 | 6,004,000 | 6,009,000 |
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 | 1,026,000 | 2,058,000 | 3,109,000 | 4,157,000 |
| Interest expense | 343,000 | 682,000 | 1,024,000 | 1,367,000 |
| Net interest income | 683,000 | 1,376,000 | 2,085,000 | 2,790,000 |
| Noninterest income | 179,000 | 350,000 | 540,000 | 750,000 |
| Noninterest expense | 637,000 | 1,267,000 | 1,898,000 | 2,522,000 |
| Provision for loan losses | 5,000 | 5,000 | 12,000 | 12,000 |
| Pretax income | 220,000 | 454,000 | 717,000 | 1,006,000 |
| Income tax | 78,000 | 159,000 | 252,000 | 356,000 |
| Net income | 142,000 | 295,000 | 465,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,594,000 | 5,679,000 | 5,730,000 | 5,823,000 |
| Total capital | 5,971,000 | 6,057,000 | 6,115,000 | 6,209,000 |
| Risk-weighted assets | 50,611,000 | 50,779,000 | 52,487,000 | 52,723,000 |