Call reports 2003
CLEO STATE BANK — 2003
What CLEO 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 | 36,235,000 | 38,053,000 | 37,401,000 | 38,801,000 |
| Total loans | 7,677,000 | 7,066,000 | 5,967,000 | 8,941,000 |
| Allowance for loan losses | 156,000 | 157,000 | 163,000 | 167,000 |
| Securities available for sale | 25,234,000 | 27,053,000 | 29,232,000 | 27,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,472,000 | 23,243,000 | 23,786,000 | 23,948,000 |
| Interest-bearing deposits | 18,740,000 | 19,005,000 | 19,681,000 | 19,748,000 |
| Noninterest-bearing deposits | 3,732,000 | 4,238,000 | 4,105,000 | 4,200,000 |
| Equity capital | 8,709,000 | 9,060,000 | 8,569,000 | 8,540,000 |
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 | 421,000 | 848,000 | 1,254,000 | 1,681,000 |
| Interest expense | 117,000 | 231,000 | 340,000 | 446,000 |
| Net interest income | 304,000 | 617,000 | 914,000 | 1,235,000 |
| Noninterest income | 44,000 | 86,000 | 128,000 | 165,000 |
| Noninterest expense | 145,000 | 283,000 | 438,000 | 629,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 203,000 | 420,000 | 614,000 | 781,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 203,000 | 420,000 | 614,000 | 781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,285,000 | 8,407,000 | 8,500,000 | 8,368,000 |
| Total capital | 8,441,000 | 8,564,000 | 8,663,000 | 8,535,000 |
| Risk-weighted assets | 18,095,000 | 20,726,000 | 19,256,000 | 21,417,000 |
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