Call reports 2003
CALUMET COUNTY BANK — 2003
What CALUMET COUNTY 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 | 60,180,000 | 60,618,000 | 58,805,000 | 59,450,000 |
| Total loans | 39,837,000 | 38,365,000 | 38,511,000 | 38,189,000 |
| Allowance for loan losses | 548,000 | 561,000 | 576,000 | 594,000 |
| Securities available for sale | 13,319,000 | 16,223,000 | 16,154,000 | 17,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,334,000 | 53,641,000 | 51,803,000 | 52,518,000 |
| Interest-bearing deposits | 45,661,000 | 45,034,000 | 44,789,000 | 45,022,000 |
| Noninterest-bearing deposits | 7,673,000 | 8,607,000 | 7,014,000 | 7,496,000 |
| Equity capital | 6,449,000 | 6,617,000 | 6,599,000 | 6,644,000 |
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 | 787,000 | 1,575,000 | 2,330,000 | 3,067,000 |
| Interest expense | 262,000 | 507,000 | 737,000 | 949,000 |
| Net interest income | 525,000 | 1,068,000 | 1,593,000 | 2,118,000 |
| Noninterest income | 81,000 | 154,000 | 255,000 | 323,000 |
| Noninterest expense | 413,000 | 822,000 | 1,244,000 | 1,646,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 167,000 | 361,000 | 550,000 | 810,000 |
| Income tax | 39,000 | 86,000 | 128,000 | 202,000 |
| Net income | 128,000 | 275,000 | 422,000 | 608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,253,000 | 6,400,000 | 6,490,000 | 6,565,000 |
| Total capital | 6,769,000 | 6,922,000 | 6,988,000 | 7,072,000 |
| Risk-weighted assets | 41,248,000 | 41,744,000 | 39,797,000 | 40,488,000 |