Call reports 2003
CENTRAL BANK — 2003
What CENTRAL 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 | 245,109,000 | 258,854,000 | 262,142,000 | 264,890,000 |
| Total loans | 198,046,000 | 215,069,000 | 210,566,000 | 220,665,000 |
| Allowance for loan losses | 2,555,000 | 2,707,000 | 2,863,000 | 2,964,000 |
| Securities available for sale | 22,175,000 | 20,605,000 | 21,229,000 | 20,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,657,000 | 199,420,000 | 205,236,000 | 191,107,000 |
| Interest-bearing deposits | 129,438,000 | 131,686,000 | 133,970,000 | 130,307,000 |
| Noninterest-bearing deposits | 60,219,000 | 67,734,000 | 71,266,000 | 60,800,000 |
| Equity capital | 19,081,000 | 19,990,000 | 20,968,000 | 21,289,000 |
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 | 3,454,000 | 7,010,000 | 10,675,000 | 14,236,000 |
| Interest expense | 735,000 | 1,489,000 | 2,210,000 | 2,867,000 |
| Net interest income | 2,719,000 | 5,521,000 | 8,465,000 | 11,369,000 |
| Noninterest income | 847,000 | 1,933,000 | 2,778,000 | 3,521,000 |
| Noninterest expense | 2,109,000 | 4,368,000 | 6,578,000 | 8,876,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,307,000 | 2,786,000 | 4,215,000 | 5,414,000 |
| Income tax | 0 | 0 | 5,000 | 5,000 |
| Net income | 1,307,000 | 2,786,000 | 4,210,000 | 5,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,632,000 | 19,497,000 | 20,621,000 | 20,975,000 |
| Total capital | 21,187,000 | 22,204,000 | 23,438,000 | 23,912,000 |
| Risk-weighted assets | 205,536,000 | 220,858,000 | 225,323,000 | 234,928,000 |
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