Call reports 2003
CHARLEVOIX STATE BANK — 2003
What CHARLEVOIX 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 | 113,225,000 | 113,341,000 | 121,459,000 | 119,195,000 |
| Total loans | 88,035,000 | 92,527,000 | 90,509,000 | 92,563,000 |
| Allowance for loan losses | 1,025,000 | 1,046,000 | 1,061,000 | 1,003,000 |
| Securities available for sale | 9,853,000 | 6,752,000 | 10,842,000 | 11,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,592,000 | 95,706,000 | 105,062,000 | 102,764,000 |
| Interest-bearing deposits | 79,385,000 | 74,967,000 | 84,108,000 | 83,504,000 |
| Noninterest-bearing deposits | 17,207,000 | 20,739,000 | 20,954,000 | 19,260,000 |
| Equity capital | 8,515,000 | 9,014,000 | 9,343,000 | 9,795,000 |
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 | 1,756,000 | 3,467,000 | 5,199,000 | 6,835,000 |
| Interest expense | 433,000 | 884,000 | 1,292,000 | 1,674,000 |
| Net interest income | 1,323,000 | 2,583,000 | 3,907,000 | 5,161,000 |
| Noninterest income | 182,000 | 410,000 | 823,000 | 1,043,000 |
| Noninterest expense | 765,000 | 1,546,000 | 2,560,000 | 3,581,000 |
| Provision for loan losses | 101,000 | 134,000 | 296,000 | 329,000 |
| Pretax income | 639,000 | 1,313,000 | 1,874,000 | 2,294,000 |
| Income tax | 207,000 | 432,000 | 597,000 | 560,000 |
| Net income | 432,000 | 881,000 | 1,277,000 | 1,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,302,000 | 8,752,000 | 9,148,000 | 9,606,000 |
| Total capital | 9,327,000 | 9,798,000 | 10,209,000 | 10,609,000 |
| Risk-weighted assets | 84,296,000 | 84,749,000 | 86,216,000 | 86,262,000 |
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