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 | 14,593,000 | 14,179,000 | 14,498,000 | 15,031,000 |
| Total loans | 7,086,000 | 8,147,000 | 7,838,000 | 7,550,000 |
| Allowance for loan losses | 90,000 | 90,000 | 94,000 | 94,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,960,000 | 2,860,000 | 1,359,000 | 857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,116,000 | 12,377,000 | 12,910,000 | 13,550,000 |
| Interest-bearing deposits | 10,793,000 | 10,181,000 | 10,204,000 | 11,046,000 |
| Noninterest-bearing deposits | 2,323,000 | 2,196,000 | 2,706,000 | 2,504,000 |
| Equity capital | 1,437,000 | 1,502,000 | 1,546,000 | 1,442,000 |
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 | 200,000 | 422,000 | 650,000 | 839,000 |
| Interest expense | 74,000 | 138,000 | 199,000 | 252,000 |
| Net interest income | 126,000 | 284,000 | 451,000 | 587,000 |
| Noninterest income | 15,000 | 33,000 | 60,000 | 86,000 |
| Noninterest expense | 101,000 | 202,000 | 314,000 | 463,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 20,000 | 95,000 | 177,000 | 190,000 |
| Income tax | -10,000 | 0 | 12,000 | 41,000 |
| Net income | 30,000 | 95,000 | 165,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,437,000 | 1,502,000 | 1,546,000 | 1,442,000 |
| Total capital | 1,527,000 | 1,592,000 | 1,640,000 | 1,536,000 |
| Risk-weighted assets | 7,990,000 | 8,690,000 | 9,111,000 | 8,525,000 |