Call reports 2003
CALHOUN COUNTY BANK, INC. — 2003
What CALHOUN COUNTY BANK, INC. 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 | 84,417,000 | 85,444,000 | 87,341,000 | 84,487,000 |
| Total loans | 57,079,000 | 57,231,000 | 58,404,000 | 57,630,000 |
| Allowance for loan losses | 641,000 | 633,000 | 683,000 | 732,000 |
| Securities available for sale | 12,139,000 | 13,564,000 | 14,277,000 | 15,262,000 |
| Securities held to maturity | 873,000 | 873,000 | 873,000 | 873,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,526,000 | 76,471,000 | 78,276,000 | 75,530,000 |
| Interest-bearing deposits | 63,859,000 | 64,275,000 | 65,784,000 | 62,747,000 |
| Noninterest-bearing deposits | 11,667,000 | 12,196,000 | 12,492,000 | 12,783,000 |
| Equity capital | 7,657,000 | 7,726,000 | 7,821,000 | 7,760,000 |
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 | 1,216,000 | 2,456,000 | 3,712,000 | 4,926,000 |
| Interest expense | 411,000 | 811,000 | 1,209,000 | 1,585,000 |
| Net interest income | 805,000 | 1,645,000 | 2,503,000 | 3,341,000 |
| Noninterest income | 124,000 | 267,000 | 420,000 | 556,000 |
| Noninterest expense | 739,000 | 1,412,000 | 2,176,000 | 2,993,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 310,000 |
| Pretax income | 115,000 | 350,000 | 522,000 | 594,000 |
| Income tax | 35,000 | 102,000 | 152,000 | 156,000 |
| Net income | 80,000 | 248,000 | 370,000 | 438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,560,000 | 7,626,000 | 7,756,000 | 7,710,000 |
| Total capital | 8,201,000 | 8,259,000 | 8,439,000 | 8,385,000 |
| Risk-weighted assets | 54,675,000 | 55,350,000 | 55,813,000 | 53,980,000 |