Call reports 2003
COLDWATER NATIVE BANK, THE — 2003
What COLDWATER NATIVE BANK, 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 | 15,452,000 | 15,613,000 | 14,711,000 | 16,115,000 |
| Total loans | 2,809,000 | 2,628,000 | 2,829,000 | 2,653,000 |
| Allowance for loan losses | 62,000 | 60,000 | 61,000 | 61,000 |
| Securities available for sale | 7,852,000 | 8,283,000 | 8,861,000 | 9,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,098,000 | 12,213,000 | 11,419,000 | 12,838,000 |
| Interest-bearing deposits | 11,016,000 | 11,197,000 | 10,379,000 | 11,536,000 |
| Noninterest-bearing deposits | 1,082,000 | 1,016,000 | 1,040,000 | 1,302,000 |
| Equity capital | 3,222,000 | 3,261,000 | 3,191,000 | 3,200,000 |
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 | 177,000 | 334,000 | 492,000 | 650,000 |
| Interest expense | 39,000 | 79,000 | 106,000 | 135,000 |
| Net interest income | 138,000 | 255,000 | 386,000 | 515,000 |
| Noninterest income | 8,000 | 16,000 | 25,000 | 33,000 |
| Noninterest expense | 130,000 | 237,000 | 360,000 | 482,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 34,000 | 51,000 | 66,000 |
| Income tax | 5,000 | 6,000 | 11,000 | 12,000 |
| Net income | 11,000 | 28,000 | 40,000 | 54,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,154,000 | 3,172,000 | 3,184,000 | 3,198,000 |
| Total capital | 3,216,000 | 3,232,000 | 3,245,000 | 3,259,000 |
| Risk-weighted assets | 5,345,000 | 5,279,000 | 5,311,000 | 5,466,000 |