Call reports 2003
CMS BANK — 2003
What CMS 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 | 116,541,000 | 118,644,000 | 116,564,000 | 119,904,000 |
| Total loans | 76,985,000 | 72,968,000 | 69,389,000 | 72,687,000 |
| Allowance for loan losses | 186,000 | 190,000 | 190,000 | 184,000 |
| Securities available for sale | 7,540,000 | 6,852,000 | 6,377,000 | 6,813,000 |
| Securities held to maturity | 1,539,000 | 3,182,000 | 6,493,000 | 12,951,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,353,000 | 109,376,000 | 107,317,000 | 110,360,000 |
| Interest-bearing deposits | 96,382,000 | 98,800,000 | 98,169,000 | 100,093,000 |
| Noninterest-bearing deposits | 10,971,000 | 10,576,000 | 9,148,000 | 10,267,000 |
| Equity capital | 8,543,000 | 8,770,000 | 8,803,000 | 8,887,000 |
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 | 1,462,000 | 2,794,000 | 4,016,000 | 5,192,000 |
| Interest expense | 381,000 | 737,000 | 1,067,000 | 1,345,000 |
| Net interest income | 1,081,000 | 2,057,000 | 2,949,000 | 3,847,000 |
| Noninterest income | 113,000 | 237,000 | 330,000 | 422,000 |
| Noninterest expense | 984,000 | 1,926,000 | 2,900,000 | 3,985,000 |
| Provision for loan losses | 5,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 205,000 | 358,000 | 369,000 | 103,000 |
| Income tax | 80,000 | 137,000 | 141,000 | 38,000 |
| Net income | 125,000 | 221,000 | 228,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,980,000 | 8,076,000 | 8,083,000 | 7,923,000 |
| Total capital | 8,748,000 | 8,879,000 | 8,928,000 | 8,990,000 |
| Risk-weighted assets | 54,704,000 | 53,674,000 | 52,501,000 | 54,200,000 |