Call reports 2003
CUSB BANK — 2003
What CUSB 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 | 199,807,000 | 204,015,000 | 198,671,000 | 202,791,000 |
| Total loans | 126,341,000 | 124,909,000 | 125,659,000 | 126,689,000 |
| Allowance for loan losses | 1,929,000 | 2,024,000 | 2,103,000 | 2,114,000 |
| Securities available for sale | 60,489,000 | 66,807,000 | 59,882,000 | 64,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,420,000 | 144,159,000 | 144,193,000 | 144,434,000 |
| Interest-bearing deposits | 134,572,000 | 133,183,000 | 132,799,000 | 132,663,000 |
| Noninterest-bearing deposits | 9,848,000 | 10,976,000 | 11,394,000 | 11,771,000 |
| Equity capital | 24,205,000 | 24,995,000 | 24,725,000 | 25,147,000 |
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 | 2,912,000 | 5,866,000 | 8,758,000 | 11,483,000 |
| Interest expense | 1,120,000 | 2,191,000 | 3,170,000 | 4,081,000 |
| Net interest income | 1,792,000 | 3,675,000 | 5,588,000 | 7,402,000 |
| Noninterest income | 258,000 | 500,000 | 744,000 | 974,000 |
| Noninterest expense | 1,261,000 | 2,463,000 | 3,689,000 | 4,924,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 699,000 | 1,532,000 | 2,374,000 | 3,093,000 |
| Income tax | 31,000 | 79,000 | 120,000 | 155,000 |
| Net income | 668,000 | 1,453,000 | 2,254,000 | 2,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,484,000 | 20,982,000 | 21,649,000 | 22,054,000 |
| Total capital | 23,155,000 | 22,650,000 | 23,294,000 | 23,737,000 |
| Risk-weighted assets | 132,625,000 | 133,049,000 | 131,431,000 | 134,403,000 |