Call reports 2003
CENTRAL BANK OF MOBERLY — 2003
What CENTRAL BANK OF MOBERLY 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 | 153,677,000 | 152,319,000 | 147,683,000 | 149,815,000 |
| Total loans | 65,348,000 | 65,463,000 | 64,639,000 | 65,325,000 |
| Allowance for loan losses | 1,577,000 | 1,564,000 | 1,416,000 | 1,410,000 |
| Securities available for sale | 54,560,000 | 67,756,000 | 59,736,000 | 58,661,000 |
| Securities held to maturity | 175,000 | 175,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,215,000 | 124,676,000 | 121,993,000 | 125,477,000 |
| Interest-bearing deposits | 108,068,000 | 108,416,000 | 106,697,000 | 106,934,000 |
| Noninterest-bearing deposits | 16,147,000 | 16,260,000 | 15,296,000 | 18,543,000 |
| Equity capital | 12,173,000 | 12,193,000 | 11,969,000 | 12,003,000 |
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 | 1,379,000 | 2,747,000 | 4,161,000 | 5,650,000 |
| Interest expense | 570,000 | 1,094,000 | 1,566,000 | 2,004,000 |
| Net interest income | 809,000 | 1,653,000 | 2,595,000 | 3,646,000 |
| Noninterest income | 442,000 | 907,000 | 1,427,000 | 1,785,000 |
| Noninterest expense | 913,000 | 1,915,000 | 2,899,000 | 3,505,000 |
| Provision for loan losses | 10,000 | 18,000 | 25,000 | 31,000 |
| Pretax income | 328,000 | 627,000 | 1,098,000 | 1,899,000 |
| Income tax | 121,000 | 232,000 | 408,000 | 621,000 |
| Net income | 207,000 | 395,000 | 690,000 | 1,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,990,000 | 12,003,000 | 12,023,000 | 12,061,000 |
| Total capital | 12,940,000 | 12,982,000 | 12,986,000 | 13,064,000 |
| Risk-weighted assets | 76,366,000 | 77,717,000 | 76,589,000 | 79,795,000 |