Call reports 2003
CASTROVILLE STATE BANK — 2003
What CASTROVILLE 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 | 61,796,000 | 63,420,000 | 67,215,000 | 69,769,000 |
| Total loans | 25,041,000 | 25,545,000 | 25,027,000 | 25,660,000 |
| Allowance for loan losses | 616,000 | 621,000 | 620,000 | 615,000 |
| Securities available for sale | 28,825,000 | 26,087,000 | 28,876,000 | 29,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,983,000 | 56,549,000 | 60,514,000 | 63,221,000 |
| Interest-bearing deposits | 47,966,000 | 48,939,000 | 51,905,000 | 55,512,000 |
| Noninterest-bearing deposits | 7,017,000 | 7,610,000 | 8,609,000 | 7,709,000 |
| Equity capital | 6,583,000 | 6,705,000 | 6,608,000 | 6,495,000 |
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 | 749,000 | 1,469,000 | 2,160,000 | 2,864,000 |
| Interest expense | 286,000 | 540,000 | 766,000 | 1,008,000 |
| Net interest income | 463,000 | 929,000 | 1,394,000 | 1,856,000 |
| Noninterest income | 110,000 | 226,000 | 345,000 | 474,000 |
| Noninterest expense | 334,000 | 668,000 | 1,000,000 | 1,363,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 239,000 | 487,000 | 739,000 | 967,000 |
| Income tax | 71,000 | 145,000 | 217,000 | 280,000 |
| Net income | 168,000 | 342,000 | 522,000 | 687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,157,000 | 6,272,000 | 6,391,000 | 6,316,000 |
| Total capital | 6,528,000 | 6,653,000 | 6,791,000 | 6,716,000 |
| Risk-weighted assets | 29,410,000 | 30,237,000 | 31,749,000 | 31,761,000 |