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 | 31,568,000 | 31,772,000 | 33,491,000 | 32,256,000 |
| Total loans | 20,198,000 | 20,350,000 | 21,420,000 | 21,198,000 |
| Allowance for loan losses | 227,000 | 227,000 | 227,000 | 175,000 |
| Securities available for sale | 517,000 | 1,464,000 | 1,503,000 | 1,995,000 |
| Securities held to maturity | 5,469,000 | 5,964,000 | 5,961,000 | 4,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,206,000 | 25,371,000 | 26,897,000 | 25,664,000 |
| Interest-bearing deposits | 20,981,000 | 21,721,000 | 22,606,000 | 21,911,000 |
| Noninterest-bearing deposits | 4,225,000 | 3,650,000 | 4,291,000 | 3,753,000 |
| Equity capital | 5,849,000 | 5,915,000 | 6,100,000 | 5,823,000 |
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 | 457,000 | 910,000 | 1,382,000 | 1,861,000 |
| Interest expense | 112,000 | 220,000 | 334,000 | 448,000 |
| Net interest income | 345,000 | 690,000 | 1,048,000 | 1,413,000 |
| Noninterest income | 19,000 | 43,000 | 68,000 | 94,000 |
| Noninterest expense | 199,000 | 408,000 | 604,000 | 847,000 |
| Provision for loan losses | 0 | 0 | 0 | 45,000 |
| Pretax income | 165,000 | 325,000 | 512,000 | 615,000 |
| Income tax | 42,000 | 86,000 | 130,000 | 203,000 |
| Net income | 123,000 | 239,000 | 382,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,849,000 | 5,965,000 | 6,108,000 | 5,836,000 |
| Total capital | 6,076,000 | 6,192,000 | 6,335,000 | 6,011,000 |
| Risk-weighted assets | 20,651,000 | 20,774,000 | 21,974,000 | 21,320,000 |