Call reports 2003
CITY SAVINGS BANK & TRUST COMPANY — 2003
What CITY SAVINGS BANK & TRUST COMPANY 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 | 103,779,000 | 108,305,000 | 107,092,000 | 120,433,000 |
| Total loans | 60,885,000 | 64,900,000 | 67,405,000 | 70,293,000 |
| Allowance for loan losses | 1,079,000 | 1,106,000 | 1,147,000 | 1,183,000 |
| Securities available for sale | 11,208,000 | 8,081,000 | 11,985,000 | 12,433,000 |
| Securities held to maturity | 18,194,000 | 18,627,000 | 18,841,000 | 18,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,335,000 | 96,587,000 | 94,929,000 | 107,635,000 |
| Interest-bearing deposits | 70,700,000 | 74,258,000 | 73,261,000 | 83,156,000 |
| Noninterest-bearing deposits | 21,635,000 | 22,329,000 | 21,668,000 | 24,479,000 |
| Equity capital | 11,150,000 | 11,335,000 | 11,814,000 | 12,477,000 |
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 | 1,577,000 | 3,192,000 | 4,802,000 | 6,454,000 |
| Interest expense | 340,000 | 669,000 | 973,000 | 1,264,000 |
| Net interest income | 1,237,000 | 2,523,000 | 3,829,000 | 5,190,000 |
| Noninterest income | 419,000 | 767,000 | 1,191,000 | 1,596,000 |
| Noninterest expense | 1,076,000 | 2,030,000 | 3,049,000 | 4,258,000 |
| Provision for loan losses | 44,000 | 87,000 | 131,000 | 177,000 |
| Pretax income | 536,000 | 1,173,000 | 1,840,000 | 2,351,000 |
| Income tax | 0 | 10,000 | 19,000 | 27,000 |
| Net income | 536,000 | 1,163,000 | 1,821,000 | 2,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,020,000 | 11,257,000 | 11,780,000 | 12,481,000 |
| Total capital | 11,857,000 | 12,140,000 | 12,670,000 | 13,438,000 |
| Risk-weighted assets | 66,714,000 | 70,394,000 | 70,961,000 | 76,352,000 |