Call reports 2003
CENTRAL STATE BANK — 2003
What CENTRAL 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 | 67,248,000 | 67,704,000 | 68,336,000 | 67,302,000 |
| Total loans | 45,095,000 | 46,537,000 | 46,454,000 | 46,170,000 |
| Allowance for loan losses | 736,000 | 781,000 | 812,000 | 842,000 |
| Securities available for sale | 12,934,000 | 12,827,000 | 12,628,000 | 13,622,000 |
| Securities held to maturity | 0 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,805,000 | 61,056,000 | 61,604,000 | 60,288,000 |
| Interest-bearing deposits | 55,256,000 | 56,240,000 | 56,013,000 | 54,615,000 |
| Noninterest-bearing deposits | 5,549,000 | 4,816,000 | 5,591,000 | 5,673,000 |
| Equity capital | 6,250,000 | 6,461,000 | 6,551,000 | 6,828,000 |
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 | 1,144,000 | 2,300,000 | 3,411,000 | 4,540,000 |
| Interest expense | 418,000 | 827,000 | 1,214,000 | 1,569,000 |
| Net interest income | 726,000 | 1,473,000 | 2,197,000 | 2,971,000 |
| Noninterest income | 113,000 | 225,000 | 334,000 | 495,000 |
| Noninterest expense | 407,000 | 816,000 | 1,231,000 | 1,827,000 |
| Provision for loan losses | 112,000 | 307,000 | 397,000 | 413,000 |
| Pretax income | 320,000 | 575,000 | 903,000 | 1,237,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 320,000 | 575,000 | 903,000 | 1,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,758,000 | 5,914,000 | 6,142,000 | 6,475,000 |
| Total capital | 6,300,000 | 6,480,000 | 6,706,000 | 7,028,000 |
| Risk-weighted assets | 43,191,000 | 45,041,000 | 44,896,000 | 43,963,000 |