Call reports 2003
COPPER STAR BANK — 2003
What COPPER STAR 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 | 60,379,000 | 68,522,000 | 74,059,000 | 85,254,000 |
| Total loans | 48,368,000 | 55,083,000 | 63,667,000 | 74,363,000 |
| Allowance for loan losses | 580,000 | 614,000 | 637,000 | 744,000 |
| Securities available for sale | 1,702,000 | 4,824,000 | 4,071,000 | 3,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,211,000 | 59,278,000 | 61,564,000 | 69,625,000 |
| Interest-bearing deposits | 45,848,000 | 52,999,000 | 54,621,000 | 63,326,000 |
| Noninterest-bearing deposits | 5,363,000 | 6,279,000 | 6,943,000 | 6,299,000 |
| Equity capital | 9,034,000 | 9,090,000 | 9,110,000 | 9,204,000 |
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 | 774,000 | 1,737,000 | 2,893,000 | 4,213,000 |
| Interest expense | 256,000 | 573,000 | 883,000 | 1,230,000 |
| Net interest income | 518,000 | 1,164,000 | 2,010,000 | 2,983,000 |
| Noninterest income | 127,000 | 248,000 | 348,000 | 401,000 |
| Noninterest expense | 665,000 | 1,340,000 | 2,136,000 | 2,883,000 |
| Provision for loan losses | 144,000 | 189,000 | 212,000 | 324,000 |
| Pretax income | -164,000 | -117,000 | 10,000 | 177,000 |
| Income tax | -64,000 | -48,000 | 2,000 | 67,000 |
| Net income | -100,000 | -69,000 | 8,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,452,000 | 8,590,000 | 8,629,000 | 8,742,000 |
| Total capital | 9,032,000 | 9,204,000 | 9,266,000 | 9,486,000 |
| Risk-weighted assets | 52,864,000 | 58,595,000 | 65,702,000 | 76,119,000 |