Call reports 2003
CERESCOBANK — 2003
What CERESCOBANK 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 | 32,929,000 | 31,996,000 | 32,054,000 | 33,213,000 |
| Total loans | 24,114,000 | 25,950,000 | 26,371,000 | 26,513,000 |
| Allowance for loan losses | 351,000 | 351,000 | 380,000 | 699,000 |
| Securities available for sale | 1,615,000 | 2,269,000 | 1,885,000 | 1,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,076,000 | 27,086,000 | 27,043,000 | 28,697,000 |
| Interest-bearing deposits | 24,882,000 | 24,673,000 | 24,800,000 | 25,502,000 |
| Noninterest-bearing deposits | 2,194,000 | 2,413,000 | 2,243,000 | 3,195,000 |
| Equity capital | 3,532,000 | 3,683,000 | 3,705,000 | 3,285,000 |
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 | 514,000 | 1,001,000 | 1,489,000 | 1,971,000 |
| Interest expense | 194,000 | 356,000 | 503,000 | 640,000 |
| Net interest income | 320,000 | 645,000 | 986,000 | 1,331,000 |
| Noninterest income | 46,000 | 116,000 | 184,000 | 275,000 |
| Noninterest expense | 164,000 | 348,000 | 531,000 | 883,000 |
| Provision for loan losses | 7,000 | 15,000 | 72,000 | 780,000 |
| Pretax income | 195,000 | 399,000 | 567,000 | -56,000 |
| Income tax | 64,000 | 71,000 | 206,000 | -19,000 |
| Net income | 131,000 | 328,000 | 361,000 | -37,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,326,000 | 3,473,000 | 3,505,000 | 3,269,000 |
| Total capital | 3,674,000 | 3,797,000 | 3,807,000 | 3,578,000 |
| Risk-weighted assets | 27,825,000 | 25,884,000 | 24,102,000 | 24,493,000 |