Call reports 2003
COLCHESTER STATE BANK — 2003
What COLCHESTER 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 | 37,079,000 | 36,301,000 | 35,295,000 | 34,282,000 |
| Total loans | 24,468,000 | 24,444,000 | 24,882,000 | 22,880,000 |
| Allowance for loan losses | 234,000 | 327,000 | 460,000 | 571,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,480,000 | 6,310,000 | 6,212,000 | 6,937,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,049,000 | 32,264,000 | 31,446,000 | 31,245,000 |
| Interest-bearing deposits | 27,766,000 | 27,122,000 | 27,326,000 | 26,911,000 |
| Noninterest-bearing deposits | 5,283,000 | 5,142,000 | 4,120,000 | 4,334,000 |
| Equity capital | 3,778,000 | 3,822,000 | 3,657,000 | 2,896,000 |
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 | 490,000 | 989,000 | 1,409,000 | 1,846,000 |
| Interest expense | 196,000 | 380,000 | 539,000 | 676,000 |
| Net interest income | 294,000 | 609,000 | 870,000 | 1,170,000 |
| Noninterest income | 61,000 | 125,000 | 187,000 | 236,000 |
| Noninterest expense | 140,000 | 266,000 | 433,000 | 574,000 |
| Provision for loan losses | 0 | 155,000 | 422,000 | 1,847,000 |
| Pretax income | 215,000 | 313,000 | 202,000 | -1,010,000 |
| Income tax | 54,000 | 108,000 | 162,000 | -289,000 |
| Net income | 161,000 | 205,000 | 40,000 | -721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,778,000 | 3,822,000 | 3,657,000 | 2,896,000 |
| Total capital | 4,012,000 | 4,135,000 | 3,971,000 | 3,188,000 |
| Risk-weighted assets | 25,260,000 | 25,013,000 | 24,959,000 | 23,100,000 |