Call reports 2003
COWBOY STATE BANK — 2003
What COWBOY 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 | 38,886,000 | 39,071,000 | 42,182,000 | 43,532,000 |
| Total loans | 25,175,000 | 27,508,000 | 25,072,000 | 24,656,000 |
| Allowance for loan losses | 253,000 | 296,000 | 360,000 | 343,000 |
| Securities available for sale | 7,897,000 | 6,958,000 | 6,439,000 | 12,203,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,607,000 | 35,287,000 | 38,897,000 | 40,247,000 |
| Interest-bearing deposits | 31,792,000 | 31,367,000 | 33,812,000 | 34,768,000 |
| Noninterest-bearing deposits | 3,815,000 | 3,921,000 | 5,085,000 | 5,479,000 |
| Equity capital | 3,149,000 | 3,239,000 | 3,187,000 | 3,197,000 |
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 | 613,000 | 1,275,000 | 1,905,000 | 2,348,000 |
| Interest expense | 190,000 | 374,000 | 557,000 | 730,000 |
| Net interest income | 423,000 | 901,000 | 1,348,000 | 1,618,000 |
| Noninterest income | 38,000 | 75,000 | 135,000 | 350,000 |
| Noninterest expense | 377,000 | 736,000 | 1,083,000 | 1,524,000 |
| Provision for loan losses | 0 | 45,000 | 112,000 | 127,000 |
| Pretax income | 84,000 | 195,000 | 288,000 | 317,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 84,000 | 195,000 | 288,000 | 317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,760,000 | 2,801,000 | 2,824,000 | 2,846,000 |
| Total capital | 3,013,000 | 3,097,000 | 3,171,000 | 3,164,000 |
| Risk-weighted assets | 25,182,000 | 26,646,000 | 27,717,000 | 25,431,000 |
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