Call reports 2003
COMMUNITY PLUS SAVINGS BANK — 2003
What COMMUNITY PLUS SAVINGS 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 | 45,888,000 | 47,230,000 | 46,015,000 | 45,569,000 |
| Total loans | 29,860,000 | 33,380,000 | 35,078,000 | 33,023,000 |
| Allowance for loan losses | 58,000 | 58,000 | 67,000 | 53,000 |
| Securities available for sale | 291,000 | 59,000 | 72,000 | 88,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,841,000 | 43,140,000 | 41,865,000 | 41,335,000 |
| Interest-bearing deposits | 33,305,000 | 34,313,000 | 33,408,000 | 33,416,000 |
| Noninterest-bearing deposits | 8,536,000 | 8,827,000 | 8,457,000 | 7,919,000 |
| Equity capital | 3,870,000 | 3,920,000 | 3,970,000 | 4,043,000 |
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 | 534,000 | 1,044,000 | 1,557,000 | 2,041,000 |
| Interest expense | 143,000 | 265,000 | 377,000 | 485,000 |
| Net interest income | 391,000 | 779,000 | 1,180,000 | 1,556,000 |
| Noninterest income | 72,000 | 148,000 | 229,000 | 312,000 |
| Noninterest expense | 348,000 | 707,000 | 1,098,000 | 1,459,000 |
| Provision for loan losses | 4,000 | 36,000 | 45,000 | 45,000 |
| Pretax income | 111,000 | 184,000 | 266,000 | 364,000 |
| Income tax | 35,000 | 62,000 | 93,000 | 119,000 |
| Net income | 76,000 | 122,000 | 173,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,868,000 | 3,914,000 | 3,965,000 | 4,041,000 |
| Total capital | 3,926,000 | 3,972,000 | 4,032,000 | 4,094,000 |
| Risk-weighted assets | 24,295,000 | 26,168,000 | 25,683,000 | 24,806,000 |