Call reports 2003
CF BANCORP — 2003
What CF BANCORP 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 | 1,030,078,000 | 1,037,665,000 | 1,040,822,000 | 1,070,343,000 |
| Total loans | 835,845,000 | 846,393,000 | 882,263,000 | 935,673,000 |
| Allowance for loan losses | 11,219,000 | 11,483,000 | 11,730,000 | 11,663,000 |
| Securities available for sale | 111,910,000 | 118,957,000 | 84,885,000 | 70,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 725,517,000 | 725,773,000 | 730,371,000 | 754,635,000 |
| Interest-bearing deposits | 688,988,000 | 622,580,000 | 615,674,000 | 627,446,000 |
| Noninterest-bearing deposits | 36,529,000 | 103,193,000 | 114,697,000 | 127,189,000 |
| Equity capital | 122,764,000 | 121,801,000 | 124,192,000 | 126,228,000 |
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 | 14,266,000 | 28,981,000 | 43,633,000 | 58,346,000 |
| Interest expense | 6,200,000 | 11,996,000 | 17,757,000 | 23,308,000 |
| Net interest income | 8,066,000 | 16,985,000 | 25,876,000 | 35,038,000 |
| Noninterest income | 4,719,000 | 7,815,000 | 9,408,000 | 9,719,000 |
| Noninterest expense | 7,179,000 | 14,000,000 | 19,374,000 | 25,400,000 |
| Provision for loan losses | 360,000 | 720,000 | 1,080,000 | 1,440,000 |
| Pretax income | 5,246,000 | 10,080,000 | 14,833,000 | 17,951,000 |
| Income tax | 1,942,000 | 3,386,000 | 5,117,000 | 6,232,000 |
| Net income | 3,304,000 | 6,694,000 | 9,716,000 | 11,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,752,000 | 120,107,000 | 123,019,000 | 125,140,000 |
| Total capital | 131,196,000 | 129,928,000 | 133,242,000 | 135,883,000 |
| Risk-weighted assets | 753,712,000 | 783,984,000 | 816,303,000 | 858,545,000 |