Call reports 2003
STATE BANK OF CARBONDALE — 2003
What STATE BANK OF CARBONDALE 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 | 16,095,000 | 15,403,000 | 14,850,000 | 14,569,000 |
| Total loans | 8,212,000 | 8,027,000 | 8,078,000 | 7,921,000 |
| Allowance for loan losses | 135,000 | 135,000 | 135,000 | 128,000 |
| Securities available for sale | 5,387,000 | 5,328,000 | 5,264,000 | 4,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,617,000 | 13,933,000 | 13,394,000 | 13,120,000 |
| Interest-bearing deposits | 12,510,000 | 11,772,000 | 11,524,000 | 11,112,000 |
| Noninterest-bearing deposits | 2,107,000 | 2,161,000 | 1,870,000 | 2,008,000 |
| Equity capital | 1,299,000 | 1,319,000 | 1,300,000 | 1,291,000 |
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 | 202,000 | 398,000 | 589,000 | 774,000 |
| Interest expense | 64,000 | 124,000 | 177,000 | 227,000 |
| Net interest income | 138,000 | 274,000 | 412,000 | 547,000 |
| Noninterest income | 32,000 | 68,000 | 103,000 | 138,000 |
| Noninterest expense | 154,000 | 304,000 | 460,000 | 630,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 38,000 | 55,000 | 55,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 6,000 |
| Net income | 14,000 | 33,000 | 48,000 | 49,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,259,000 | 1,278,000 | 1,280,000 | 1,279,000 |
| Total capital | 1,365,000 | 1,381,000 | 1,382,000 | 1,381,000 |
| Risk-weighted assets | 8,455,000 | 8,207,000 | 8,161,000 | 8,129,000 |