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 | 12,558,000 | 13,020,000 | 13,594,000 | 14,186,000 |
| Total loans | 7,383,000 | 7,315,000 | 7,106,000 | 7,947,000 |
| Allowance for loan losses | 65,000 | 83,000 | 83,000 | 92,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,202,000 | 1,001,000 | 1,001,000 | 1,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,945,000 | 11,371,000 | 11,906,000 | 12,602,000 |
| Interest-bearing deposits | 8,838,000 | 8,873,000 | 9,096,000 | 9,364,000 |
| Noninterest-bearing deposits | 2,107,000 | 2,498,000 | 2,810,000 | 3,238,000 |
| Equity capital | 1,542,000 | 1,580,000 | 1,611,000 | 1,521,000 |
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 | 172,000 | 343,000 | 523,000 | 705,000 |
| Interest expense | 35,000 | 69,000 | 102,000 | 138,000 |
| Net interest income | 137,000 | 274,000 | 421,000 | 567,000 |
| Noninterest income | 30,000 | 65,000 | 111,000 | 145,000 |
| Noninterest expense | 106,000 | 203,000 | 313,000 | 422,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 38,000 |
| Pretax income | 61,000 | 121,000 | 204,000 | 252,000 |
| Income tax | 21,000 | 43,000 | 63,000 | 87,000 |
| Net income | 40,000 | 78,000 | 141,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,542,000 | 1,580,000 | 1,611,000 | 1,521,000 |
| Total capital | 1,607,000 | 1,663,000 | 1,694,000 | 1,613,000 |
| Risk-weighted assets | 7,533,000 | 7,572,000 | 7,522,000 | 8,139,000 |