Call reports 2003
CITY STATE BANK — 2003
What CITY 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 | 38,617,000 | 37,710,000 | 40,790,000 | 39,068,000 |
| Total loans | 26,476,000 | 26,861,000 | 28,159,000 | 26,355,000 |
| Allowance for loan losses | 565,000 | 517,000 | 526,000 | 517,000 |
| Securities available for sale | 5,164,000 | 6,260,000 | 8,102,000 | 8,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,115,000 | 28,048,000 | 29,509,000 | 29,369,000 |
| Interest-bearing deposits | 25,004,000 | 24,999,000 | 26,064,000 | 25,674,000 |
| Noninterest-bearing deposits | 4,111,000 | 3,049,000 | 3,445,000 | 3,695,000 |
| Equity capital | 5,754,000 | 5,882,000 | 5,986,000 | 5,995,000 |
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 | 596,000 | 1,180,000 | 1,797,000 | 2,371,000 |
| Interest expense | 182,000 | 351,000 | 511,000 | 662,000 |
| Net interest income | 414,000 | 829,000 | 1,286,000 | 1,709,000 |
| Noninterest income | 30,000 | 54,000 | 79,000 | 103,000 |
| Noninterest expense | 249,000 | 495,000 | 741,000 | 999,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 195,000 | 388,000 | 624,000 | 813,000 |
| Income tax | 65,000 | 128,000 | 199,000 | 252,000 |
| Net income | 130,000 | 260,000 | 425,000 | 561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,661,000 | 3,716,000 | 3,806,000 | 3,817,000 |
| Total capital | 4,026,000 | 4,086,000 | 4,208,000 | 4,197,000 |
| Risk-weighted assets | 28,994,000 | 29,472,000 | 32,015,000 | 30,288,000 |
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