Call reports 2003
CARSON BANK — 2003
What CARSON 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 | 65,820,000 | 62,023,000 | 62,551,000 | 61,965,000 |
| Total loans | 30,829,000 | 32,524,000 | 30,978,000 | 31,328,000 |
| Allowance for loan losses | 454,000 | 325,000 | 369,000 | 364,000 |
| Securities available for sale | 24,750,000 | 22,388,000 | 22,772,000 | 23,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,641,000 | 53,895,000 | 54,490,000 | 54,092,000 |
| Interest-bearing deposits | 48,078,000 | 44,181,000 | 45,063,000 | 44,111,000 |
| Noninterest-bearing deposits | 9,563,000 | 9,714,000 | 9,427,000 | 9,981,000 |
| Equity capital | 7,996,000 | 7,964,000 | 7,877,000 | 7,780,000 |
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 | 833,000 | 1,611,000 | 2,381,000 | 3,129,000 |
| Interest expense | 200,000 | 378,000 | 543,000 | 694,000 |
| Net interest income | 633,000 | 1,233,000 | 1,838,000 | 2,435,000 |
| Noninterest income | 145,000 | 305,000 | 444,000 | 627,000 |
| Noninterest expense | 583,000 | 1,120,000 | 1,700,000 | 2,307,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 150,000 | 328,000 | 447,000 | 575,000 |
| Income tax | -7,000 | 0 | 5,000 | 11,000 |
| Net income | 157,000 | 328,000 | 442,000 | 564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,551,000 | 7,551,000 | 7,566,000 | 7,588,000 |
| Total capital | 8,005,000 | 7,876,000 | 7,935,000 | 7,952,000 |
| Risk-weighted assets | 37,286,000 | 37,248,000 | 36,095,000 | 36,085,000 |