Call reports 2003
COMMUNITY STATE BANK OF ORBISONIA — 2003
What COMMUNITY STATE BANK OF ORBISONIA 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 | 156,353,000 | 159,799,000 | 163,151,000 | 169,818,000 |
| Total loans | 125,506,000 | 130,838,000 | 137,182,000 | 143,608,000 |
| Allowance for loan losses | 967,000 | 973,000 | 990,000 | 971,000 |
| Securities available for sale | 16,476,000 | 14,027,000 | 13,847,000 | 12,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,439,000 | 145,440,000 | 147,539,000 | 147,395,000 |
| Interest-bearing deposits | 133,495,000 | 135,682,000 | 137,914,000 | 138,272,000 |
| Noninterest-bearing deposits | 8,944,000 | 9,758,000 | 9,625,000 | 9,123,000 |
| Equity capital | 13,369,000 | 13,617,000 | 13,976,000 | 14,243,000 |
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 | 2,578,000 | 5,184,000 | 7,823,000 | 10,524,000 |
| Interest expense | 1,051,000 | 2,051,000 | 3,033,000 | 4,020,000 |
| Net interest income | 1,527,000 | 3,133,000 | 4,790,000 | 6,504,000 |
| Noninterest income | 176,000 | 356,000 | 544,000 | 728,000 |
| Noninterest expense | 961,000 | 2,001,000 | 2,988,000 | 4,218,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 652,000 | 1,308,000 | 2,076,000 | 2,654,000 |
| Income tax | 221,000 | 439,000 | 683,000 | 811,000 |
| Net income | 431,000 | 869,000 | 1,393,000 | 1,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,267,000 | 13,481,000 | 13,893,000 | 14,199,000 |
| Total capital | 14,234,000 | 14,454,000 | 14,883,000 | 15,170,000 |
| Risk-weighted assets | 99,527,000 | 103,729,000 | 108,398,000 | 111,262,000 |