Call reports 2003
CENTRAL STATE BANK — 2003
What CENTRAL STATE 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 | 57,304,000 | 60,416,000 | 60,271,000 | 60,159,000 |
| Total loans | 39,470,000 | 38,079,000 | 37,522,000 | 41,873,000 |
| Allowance for loan losses | 434,000 | 434,000 | 436,000 | 437,000 |
| Securities available for sale | 4,472,000 | 5,022,000 | 4,440,000 | 3,179,000 |
| Securities held to maturity | 54,000 | 24,000 | 16,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,947,000 | 52,647,000 | 52,312,000 | 52,184,000 |
| Interest-bearing deposits | 43,308,000 | 44,036,000 | 44,329,000 | 43,541,000 |
| Noninterest-bearing deposits | 6,639,000 | 8,611,000 | 7,983,000 | 8,643,000 |
| Equity capital | 6,988,000 | 7,266,000 | 7,455,000 | 7,523,000 |
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 | 902,000 | 1,811,000 | 2,661,000 | 3,356,000 |
| Interest expense | 239,000 | 460,000 | 657,000 | 837,000 |
| Net interest income | 663,000 | 1,351,000 | 2,004,000 | 2,519,000 |
| Noninterest income | 187,000 | 441,000 | 628,000 | 830,000 |
| Noninterest expense | 495,000 | 1,026,000 | 1,507,000 | 2,123,000 |
| Provision for loan losses | 11,000 | 15,000 | 18,000 | 18,000 |
| Pretax income | 344,000 | 751,000 | 1,107,000 | 1,208,000 |
| Income tax | 113,000 | 248,000 | 365,000 | 395,000 |
| Net income | 231,000 | 503,000 | 742,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,550,000 | 6,818,000 | 7,021,000 | 7,105,000 |
| Total capital | 6,984,000 | 7,252,000 | 7,457,000 | 7,542,000 |
| Risk-weighted assets | 38,455,000 | 38,627,000 | 38,125,000 | 41,677,000 |