Call reports 2003
CREWS BANK & TRUST — 2003
What CREWS BANK & TRUST 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 | 120,507,000 | 121,200,000 | 117,185,000 | 119,354,000 |
| Total loans | 68,655,000 | 69,570,000 | 69,882,000 | 71,424,000 |
| Allowance for loan losses | 1,750,000 | 1,785,000 | 1,803,000 | 1,833,000 |
| Securities available for sale | 36,812,000 | 35,766,000 | 33,643,000 | 26,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,524,000 | 93,573,000 | 89,678,000 | 95,144,000 |
| Interest-bearing deposits | 68,007,000 | 68,095,000 | 66,021,000 | 67,236,000 |
| Noninterest-bearing deposits | 26,517,000 | 25,478,000 | 23,657,000 | 27,908,000 |
| Equity capital | 18,072,000 | 19,080,000 | 19,266,000 | 17,236,000 |
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 | 1,809,000 | 3,593,000 | 5,377,000 | 7,133,000 |
| Interest expense | 408,000 | 781,000 | 1,167,000 | 1,508,000 |
| Net interest income | 1,401,000 | 2,812,000 | 4,210,000 | 5,625,000 |
| Noninterest income | 197,000 | 397,000 | 628,000 | 878,000 |
| Noninterest expense | 857,000 | 1,704,000 | 2,565,000 | 3,530,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 739,000 | 1,473,000 | 2,187,000 | 2,792,000 |
| Income tax | 2,000 | 16,000 | 16,000 | 16,000 |
| Net income | 737,000 | 1,457,000 | 2,171,000 | 2,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,277,000 | 17,997,000 | 18,711,000 | 16,617,000 |
| Total capital | 18,176,000 | 18,917,000 | 19,629,000 | 17,559,000 |
| Risk-weighted assets | 71,053,000 | 72,733,000 | 72,535,000 | 74,466,000 |