Call reports 2003
CENTRAL BANK — 2003
What CENTRAL 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 | 51,179,000 | 51,235,000 | 55,925,000 | 54,398,000 |
| Total loans | 21,670,000 | 21,563,000 | 21,718,000 | 22,913,000 |
| Allowance for loan losses | 382,000 | 383,000 | 395,000 | 408,000 |
| Securities available for sale | 14,760,000 | 12,787,000 | 10,920,000 | 9,836,000 |
| Securities held to maturity | 9,312,000 | 11,802,000 | 15,080,000 | 16,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,488,000 | 46,182,000 | 51,355,000 | 47,408,000 |
| Interest-bearing deposits | 39,861,000 | 39,099,000 | 44,235,000 | 39,906,000 |
| Noninterest-bearing deposits | 6,626,000 | 7,083,000 | 7,120,000 | 7,502,000 |
| Equity capital | 4,185,000 | 4,270,000 | 4,223,000 | 4,293,000 |
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 | 671,000 | 1,299,000 | 1,919,000 | 2,566,000 |
| Interest expense | 159,000 | 302,000 | 430,000 | 550,000 |
| Net interest income | 512,000 | 997,000 | 1,489,000 | 2,016,000 |
| Noninterest income | 91,000 | 183,000 | 265,000 | 375,000 |
| Noninterest expense | 471,000 | 943,000 | 1,442,000 | 1,974,000 |
| Provision for loan losses | 20,000 | 35,000 | 50,000 | 65,000 |
| Pretax income | 217,000 | 317,000 | 409,000 | 510,000 |
| Income tax | 78,000 | 108,000 | 121,000 | 129,000 |
| Net income | 139,000 | 209,000 | 288,000 | 381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,089,000 | 4,159,000 | 4,207,000 | 4,271,000 |
| Total capital | 4,340,000 | 4,409,000 | 4,484,000 | 4,556,000 |
| Risk-weighted assets | 20,502,000 | 20,441,000 | 22,537,000 | 22,644,000 |