Call reports 2004
CS BANK — 2004
What CS 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 | 93,469,000 | 96,582,000 | 97,178,000 | 97,428,000 |
| Total loans | 59,599,000 | 62,198,000 | 61,983,000 | 60,905,000 |
| Allowance for loan losses | 673,000 | 671,000 | 682,000 | 729,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,858,000 | 22,715,000 | 22,630,000 | 22,476,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,708,000 | 70,220,000 | 71,074,000 | 71,357,000 |
| Interest-bearing deposits | 65,002,000 | 62,927,000 | 62,283,000 | 63,147,000 |
| Noninterest-bearing deposits | 5,706,000 | 7,293,000 | 8,791,000 | 8,210,000 |
| Equity capital | 10,955,000 | 11,180,000 | 11,436,000 | 11,371,000 |
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 | 1,183,000 | 2,414,000 | 3,651,000 | 4,875,000 |
| Interest expense | 346,000 | 673,000 | 1,012,000 | 1,394,000 |
| Net interest income | 837,000 | 1,741,000 | 2,639,000 | 3,481,000 |
| Noninterest income | 228,000 | 475,000 | 727,000 | 982,000 |
| Noninterest expense | 775,000 | 1,593,000 | 2,348,000 | 3,198,000 |
| Provision for loan losses | 0 | 5,000 | 20,000 | 85,000 |
| Pretax income | 290,000 | 618,000 | 998,000 | 1,180,000 |
| Income tax | 86,000 | 189,000 | 313,000 | 360,000 |
| Net income | 204,000 | 429,000 | 685,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,955,000 | 11,180,000 | 11,436,000 | 11,371,000 |
| Total capital | 11,628,000 | 11,851,000 | 12,118,000 | 12,100,000 |
| Risk-weighted assets | 65,016,000 | 67,219,000 | 66,851,000 | 66,915,000 |