Call reports 2003
BANK OF CASHTON — 2003
What BANK OF CASHTON 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 | 42,101,000 | 41,953,000 | 42,415,000 | 43,732,000 |
| Total loans | 28,843,000 | 29,460,000 | 29,989,000 | 30,954,000 |
| Allowance for loan losses | 439,000 | 435,000 | 424,000 | 604,000 |
| Securities available for sale | 6,541,000 | 7,144,000 | 7,437,000 | 8,126,000 |
| Securities held to maturity | 940,000 | 910,000 | 875,000 | 635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,966,000 | 37,656,000 | 38,022,000 | 39,407,000 |
| Interest-bearing deposits | 33,475,000 | 34,426,000 | 34,859,000 | 35,821,000 |
| Noninterest-bearing deposits | 4,491,000 | 3,230,000 | 3,163,000 | 3,586,000 |
| Equity capital | 3,980,000 | 4,115,000 | 4,142,000 | 4,088,000 |
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 | 649,000 | 1,350,000 | 2,026,000 | 2,697,000 |
| Interest expense | 302,000 | 595,000 | 869,000 | 1,141,000 |
| Net interest income | 347,000 | 755,000 | 1,157,000 | 1,556,000 |
| Noninterest income | 50,000 | 100,000 | 163,000 | 219,000 |
| Noninterest expense | 365,000 | 727,000 | 1,050,000 | 1,336,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 197,000 |
| Pretax income | 26,000 | 116,000 | 252,000 | 242,000 |
| Income tax | 8,000 | 8,000 | 32,000 | -21,000 |
| Net income | 18,000 | 108,000 | 220,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,806,000 | 3,896,000 | 4,008,000 | 3,951,000 |
| Total capital | 4,189,000 | 4,286,000 | 4,403,000 | 4,368,000 |
| Risk-weighted assets | 30,550,000 | 31,073,000 | 31,583,000 | 33,398,000 |