Call reports 2003
COMMUNITY SECURITY BANK — 2003
What COMMUNITY SECURITY 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 | 56,856,000 | 59,412,000 | 59,693,000 | 58,982,000 |
| Total loans | 47,215,000 | 50,317,000 | 48,392,000 | 49,603,000 |
| Allowance for loan losses | 562,000 | 583,000 | 599,000 | 604,000 |
| Securities available for sale | 5,356,000 | 5,321,000 | 5,065,000 | 5,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,587,000 | 52,670,000 | 53,429,000 | 52,463,000 |
| Interest-bearing deposits | 41,282,000 | 44,329,000 | 45,202,000 | 45,295,000 |
| Noninterest-bearing deposits | 9,305,000 | 8,341,000 | 8,227,000 | 7,168,000 |
| Equity capital | 4,183,000 | 4,443,000 | 4,651,000 | 4,879,000 |
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 | 827,000 | 1,705,000 | 2,597,000 | 3,497,000 |
| Interest expense | 280,000 | 567,000 | 845,000 | 1,105,000 |
| Net interest income | 547,000 | 1,138,000 | 1,752,000 | 2,392,000 |
| Noninterest income | 330,000 | 835,000 | 1,285,000 | 1,580,000 |
| Noninterest expense | 497,000 | 1,139,000 | 1,691,000 | 2,223,000 |
| Provision for loan losses | 9,000 | 30,000 | 50,000 | 55,000 |
| Pretax income | 371,000 | 804,000 | 1,296,000 | 1,694,000 |
| Income tax | 148,000 | 324,000 | 557,000 | 731,000 |
| Net income | 223,000 | 480,000 | 739,000 | 963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,145,000 | 4,401,000 | 4,661,000 | 4,885,000 |
| Total capital | 4,707,000 | 4,984,000 | 5,260,000 | 5,489,000 |
| Risk-weighted assets | 45,940,000 | 49,160,000 | 48,854,000 | 49,930,000 |