Call reports 2003
CONNECTICUT RIVER COMMUNITY BANK — 2003
What CONNECTICUT RIVER COMMUNITY 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 | 13,592,000 | 20,251,000 | 27,420,000 | 31,329,000 |
| Total loans | 4,258,000 | 9,023,000 | 14,889,000 | 18,882,000 |
| Allowance for loan losses | 60,000 | 118,000 | 202,000 | 262,000 |
| Securities available for sale | 6,056,000 | 8,599,000 | 8,357,000 | 9,723,000 |
| Securities held to maturity | 0 | 502,000 | 1,000,000 | 999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,622,000 | 13,511,000 | 19,995,000 | 23,360,000 |
| Interest-bearing deposits | 6,431,000 | 12,609,000 | 17,775,000 | 21,322,000 |
| Noninterest-bearing deposits | 1,191,000 | 903,000 | 2,220,000 | 2,038,000 |
| Equity capital | 5,901,000 | 5,693,000 | 5,341,000 | 5,143,000 |
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 | 65,000 | 232,000 | 498,000 | 845,000 |
| Interest expense | 21,000 | 81,000 | 170,000 | 283,000 |
| Net interest income | 44,000 | 151,000 | 328,000 | 562,000 |
| Noninterest income | 1,000 | 2,000 | 5,000 | 7,000 |
| Noninterest expense | 280,000 | 581,000 | 964,000 | 1,335,000 |
| Provision for loan losses | 45,000 | 103,000 | 187,000 | 247,000 |
| Pretax income | -280,000 | -531,000 | -818,000 | -1,013,000 |
| Income tax | 0 | 0 | -6,000 | -6,000 |
| Net income | -280,000 | -531,000 | -812,000 | -1,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,915,000 | 5,665,000 | 5,383,000 | 5,188,000 |
| Total capital | 5,975,000 | 5,783,000 | 5,585,000 | 5,440,000 |
| Risk-weighted assets | 5,833,000 | 10,712,000 | 16,519,000 | 20,142,000 |