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 | 14,066,000 | 14,044,000 | 13,792,000 | 13,586,000 |
| Total loans | 7,463,000 | 7,823,000 | 7,790,000 | 7,502,000 |
| Allowance for loan losses | 94,000 | 94,000 | 68,000 | 68,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,102,000 | 1,902,000 | 1,602,000 | 1,402,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,533,000 | 12,448,000 | 12,166,000 | 12,058,000 |
| Interest-bearing deposits | 10,472,000 | 10,417,000 | 10,230,000 | 9,278,000 |
| Noninterest-bearing deposits | 2,061,000 | 2,031,000 | 1,936,000 | 2,780,000 |
| Equity capital | 1,490,000 | 1,544,000 | 1,561,000 | 1,502,000 |
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 | 183,000 | 371,000 | 565,000 | 745,000 |
| Interest expense | 52,000 | 98,000 | 141,000 | 180,000 |
| Net interest income | 131,000 | 273,000 | 424,000 | 565,000 |
| Noninterest income | 29,000 | 65,000 | 93,000 | 120,000 |
| Noninterest expense | 97,000 | 200,000 | 299,000 | 410,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 63,000 | 138,000 | 208,000 | 265,000 |
| Income tax | 15,000 | 36,000 | 55,000 | 81,000 |
| Net income | 48,000 | 102,000 | 153,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,490,000 | 1,544,000 | 1,561,000 | 1,502,000 |
| Total capital | 1,584,000 | 1,638,000 | 1,629,000 | 1,570,000 |
| Risk-weighted assets | 8,187,000 | 8,417,000 | 8,086,000 | 7,812,000 |