Call reports 2003
CHETOPA STATE BANK & TRUST CO — 2003
What CHETOPA STATE BANK & TRUST CO 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 | 23,593,000 | 24,037,000 | 23,916,000 | 25,142,000 |
| Total loans | 17,203,000 | 17,521,000 | 18,211,000 | 18,470,000 |
| Allowance for loan losses | 152,000 | 154,000 | 156,000 | 158,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,873,000 | 2,134,000 | 2,356,000 | 2,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,954,000 | 22,372,000 | 22,177,000 | 23,280,000 |
| Interest-bearing deposits | 19,179,000 | 19,587,000 | 19,672,000 | 20,704,000 |
| Noninterest-bearing deposits | 2,775,000 | 2,785,000 | 2,505,000 | 2,576,000 |
| Equity capital | 1,563,000 | 1,609,000 | 1,689,000 | 1,814,000 |
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 | 357,000 | 715,000 | 1,075,000 | 1,438,000 |
| Interest expense | 132,000 | 259,000 | 379,000 | 495,000 |
| Net interest income | 225,000 | 456,000 | 696,000 | 943,000 |
| Noninterest income | 43,000 | 96,000 | 156,000 | 208,000 |
| Noninterest expense | 156,000 | 305,000 | 462,000 | 627,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 109,000 | 241,000 | 381,000 | 512,000 |
| Income tax | 4,000 | 8,000 | 15,000 | 20,000 |
| Net income | 105,000 | 233,000 | 366,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,563,000 | 1,609,000 | 1,689,000 | 1,814,000 |
| Total capital | 1,715,000 | 1,763,000 | 1,845,000 | 1,972,000 |
| Risk-weighted assets | 14,260,000 | 14,954,000 | 15,552,000 | 15,866,000 |