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 | 359,080,000 | 384,975,000 | 378,674,000 | 385,505,000 |
| Total loans | 230,504,000 | 248,143,000 | 260,831,000 | 266,356,000 |
| Allowance for loan losses | 2,048,000 | 2,159,000 | 1,851,000 | 2,404,000 |
| Securities available for sale | 83,694,000 | 61,629,000 | 76,612,000 | 66,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,391,000 | 355,662,000 | 351,150,000 | 354,422,000 |
| Interest-bearing deposits | 290,412,000 | 312,501,000 | 309,816,000 | 309,494,000 |
| Noninterest-bearing deposits | 39,979,000 | 43,161,000 | 41,334,000 | 44,928,000 |
| Equity capital | 23,485,000 | 24,330,000 | 23,678,000 | 26,741,000 |
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 | 4,885,000 | 10,306,000 | 15,682,000 | 21,307,000 |
| Interest expense | 1,877,000 | 4,121,000 | 6,376,000 | 8,566,000 |
| Net interest income | 3,008,000 | 6,185,000 | 9,306,000 | 12,741,000 |
| Noninterest income | 640,000 | 1,166,000 | 1,676,000 | 2,330,000 |
| Noninterest expense | 2,743,000 | 5,558,000 | 8,432,000 | 11,266,000 |
| Provision for loan losses | 198,000 | 396,000 | 705,000 | 1,602,000 |
| Pretax income | 882,000 | 1,875,000 | 2,311,000 | 2,671,000 |
| Income tax | 200,000 | 468,000 | 623,000 | 733,000 |
| Net income | 682,000 | 1,407,000 | 1,688,000 | 1,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,054,000 | 19,779,000 | 20,060,000 | 22,810,000 |
| Total capital | 21,102,000 | 21,938,000 | 21,911,000 | 25,214,000 |
| Risk-weighted assets | 257,729,000 | 272,061,000 | 291,822,000 | 298,827,000 |