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 | 28,566,000 | 31,237,000 | 30,386,000 | 31,780,000 |
| Total loans | 16,712,000 | 16,949,000 | 19,044,000 | 19,945,000 |
| Allowance for loan losses | 200,000 | 230,000 | 231,000 | 224,000 |
| Securities available for sale | 0 | 0 | 0 | 500,000 |
| Securities held to maturity | 6,138,000 | 7,132,000 | 6,630,000 | 6,472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,437,000 | 25,006,000 | 24,018,000 | 25,417,000 |
| Interest-bearing deposits | 18,769,000 | 20,642,000 | 20,367,000 | 20,626,000 |
| Noninterest-bearing deposits | 3,668,000 | 4,364,000 | 3,651,000 | 4,791,000 |
| Equity capital | 5,740,000 | 5,833,000 | 5,948,000 | 5,726,000 |
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 | 413,000 | 831,000 | 1,272,000 | 1,719,000 |
| Interest expense | 124,000 | 233,000 | 358,000 | 473,000 |
| Net interest income | 289,000 | 598,000 | 914,000 | 1,246,000 |
| Noninterest income | 17,000 | 43,000 | 66,000 | 94,000 |
| Noninterest expense | 196,000 | 391,000 | 578,000 | 793,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 82,000 | 192,000 | 345,000 | 493,000 |
| Income tax | 8,000 | 25,000 | 63,000 | 157,000 |
| Net income | 74,000 | 167,000 | 282,000 | 336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,740,000 | 5,833,000 | 5,948,000 | 5,726,000 |
| Total capital | 5,940,000 | 6,063,000 | 6,179,000 | 5,950,000 |
| Risk-weighted assets | 17,922,000 | 18,587,000 | 19,883,000 | 20,338,000 |