Call reports 2003
COMMERCIAL BANK OF DEMOPOLIS, THE — 2003
What COMMERCIAL BANK OF DEMOPOLIS, THE 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 | 89,066,000 | 88,881,000 | 86,828,000 | 84,102,000 |
| Total loans | 56,731,000 | 57,859,000 | 62,407,000 | 60,143,000 |
| Allowance for loan losses | 797,000 | 788,000 | 813,000 | 885,000 |
| Securities available for sale | 23,692,000 | 21,690,000 | 20,127,000 | 19,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,559,000 | 74,694,000 | 73,118,000 | 71,422,000 |
| Interest-bearing deposits | 67,252,000 | 65,365,000 | 63,675,000 | 62,024,000 |
| Noninterest-bearing deposits | 8,307,000 | 9,329,000 | 9,443,000 | 9,398,000 |
| Equity capital | 8,779,000 | 9,005,000 | 8,821,000 | 7,424,000 |
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 | 1,269,000 | 2,483,000 | 3,682,000 | 4,881,000 |
| Interest expense | 473,000 | 893,000 | 1,278,000 | 1,649,000 |
| Net interest income | 796,000 | 1,590,000 | 2,404,000 | 3,232,000 |
| Noninterest income | 111,000 | 218,000 | 322,000 | 448,000 |
| Noninterest expense | 557,000 | 1,087,000 | 1,613,000 | 2,149,000 |
| Provision for loan losses | 75,000 | 130,000 | 180,000 | 339,000 |
| Pretax income | 364,000 | 680,000 | 1,022,000 | 1,281,000 |
| Income tax | 95,000 | 179,000 | 271,000 | 327,000 |
| Net income | 269,000 | 501,000 | 751,000 | 954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,472,000 | 8,530,000 | 8,604,000 | 7,132,000 |
| Total capital | 9,185,000 | 9,273,000 | 9,389,000 | 7,887,000 |
| Risk-weighted assets | 56,991,000 | 59,394,000 | 62,612,000 | 60,262,000 |