Call reports 2003
CITY STATE BANK — 2003
What CITY 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 | 121,381,000 | 122,270,000 | 121,707,000 | 123,565,000 |
| Total loans | 73,730,000 | 75,011,000 | 77,845,000 | 80,353,000 |
| Allowance for loan losses | 939,000 | 943,000 | 944,000 | 949,000 |
| Securities available for sale | 4,831,000 | 4,674,000 | 3,655,000 | 3,271,000 |
| Securities held to maturity | 2,710,000 | 3,015,000 | 3,465,000 | 3,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,760,000 | 107,483,000 | 107,235,000 | 110,450,000 |
| Interest-bearing deposits | 91,299,000 | 90,749,000 | 89,117,000 | 91,525,000 |
| Noninterest-bearing deposits | 16,461,000 | 16,734,000 | 18,118,000 | 18,925,000 |
| Equity capital | 10,200,000 | 10,742,000 | 11,157,000 | 10,619,000 |
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 | 1,526,000 | 3,076,000 | 4,578,000 | 6,155,000 |
| Interest expense | 515,000 | 1,031,000 | 1,520,000 | 1,983,000 |
| Net interest income | 1,011,000 | 2,045,000 | 3,058,000 | 4,172,000 |
| Noninterest income | 325,000 | 778,000 | 1,187,000 | 1,451,000 |
| Noninterest expense | 823,000 | 1,699,000 | 2,613,000 | 3,516,000 |
| Provision for loan losses | 42,000 | 57,000 | 57,000 | 68,000 |
| Pretax income | 471,000 | 1,067,000 | 1,575,000 | 2,039,000 |
| Income tax | 146,000 | 176,000 | 202,000 | 218,000 |
| Net income | 325,000 | 891,000 | 1,373,000 | 1,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,267,000 | 9,834,000 | 10,266,000 | 9,753,000 |
| Total capital | 10,206,000 | 10,777,000 | 11,210,000 | 10,702,000 |
| Risk-weighted assets | 81,372,000 | 83,734,000 | 85,166,000 | 87,285,000 |