Call reports 2003
COMMERCIAL STATE BANK OF BONNER SPRINGS — 2003
What COMMERCIAL STATE BANK OF BONNER SPRINGS 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 | 87,377,000 | 85,715,000 | 83,981,000 | 88,110,000 |
| Total loans | 40,596,000 | 41,405,000 | 42,252,000 | 43,498,000 |
| Allowance for loan losses | 551,000 | 542,000 | 549,000 | 545,000 |
| Securities available for sale | 37,495,000 | 38,471,000 | 34,578,000 | 40,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,977,000 | 76,570,000 | 76,346,000 | 72,640,000 |
| Interest-bearing deposits | 67,803,000 | 64,542,000 | 64,172,000 | 61,228,000 |
| Noninterest-bearing deposits | 12,174,000 | 12,028,000 | 12,174,000 | 11,412,000 |
| Equity capital | 7,175,000 | 7,344,000 | 7,368,000 | 7,588,000 |
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 | 1,132,000 | 2,179,000 | 3,103,000 | 4,121,000 |
| Interest expense | 358,000 | 688,000 | 991,000 | 1,283,000 |
| Net interest income | 774,000 | 1,491,000 | 2,112,000 | 2,838,000 |
| Noninterest income | 203,000 | 394,000 | 601,000 | 803,000 |
| Noninterest expense | 556,000 | 1,109,000 | 1,691,000 | 2,354,000 |
| Provision for loan losses | 45,000 | 50,000 | 65,000 | 75,000 |
| Pretax income | 478,000 | 828,000 | 1,059,000 | 1,314,000 |
| Income tax | 18,000 | 33,000 | 42,000 | 53,000 |
| Net income | 460,000 | 795,000 | 1,017,000 | 1,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,564,000 | 6,807,000 | 6,943,000 | 7,101,000 |
| Total capital | 7,115,000 | 7,349,000 | 7,492,000 | 7,646,000 |
| Risk-weighted assets | 47,522,000 | 47,562,000 | 47,260,000 | 49,414,000 |