Call reports 2003
BANK OF COUSHATTA — 2003
What BANK OF COUSHATTA 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 | 88,751,000 | 87,460,000 | 88,662,000 | 89,714,000 |
| Total loans | 27,890,000 | 28,461,000 | 28,810,000 | 28,466,000 |
| Allowance for loan losses | 313,000 | 324,000 | 316,000 | 354,000 |
| Securities available for sale | 52,506,000 | 49,658,000 | 47,094,000 | 52,654,000 |
| Securities held to maturity | 595,000 | 583,000 | 582,000 | 581,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,175,000 | 57,467,000 | 59,964,000 | 63,776,000 |
| Interest-bearing deposits | 51,571,000 | 48,985,000 | 51,033,000 | 54,272,000 |
| Noninterest-bearing deposits | 7,604,000 | 8,482,000 | 8,931,000 | 9,504,000 |
| Equity capital | 11,693,000 | 12,093,000 | 11,821,000 | 11,624,000 |
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 | 1,241,000 | 2,441,000 | 3,610,000 | 4,791,000 |
| Interest expense | 581,000 | 1,149,000 | 1,694,000 | 2,211,000 |
| Net interest income | 660,000 | 1,292,000 | 1,916,000 | 2,580,000 |
| Noninterest income | 152,000 | 302,000 | 510,000 | 640,000 |
| Noninterest expense | 527,000 | 1,051,000 | 1,534,000 | 2,200,000 |
| Provision for loan losses | 19,000 | 41,000 | 76,000 | 317,000 |
| Pretax income | 458,000 | 719,000 | 1,042,000 | 933,000 |
| Income tax | 58,000 | 112,000 | 166,000 | 167,000 |
| Net income | 400,000 | 607,000 | 876,000 | 766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,760,000 | 10,954,000 | 11,210,000 | 11,087,000 |
| Total capital | 11,073,000 | 11,278,000 | 11,526,000 | 11,441,000 |
| Risk-weighted assets | 33,857,000 | 33,910,000 | 34,535,000 | 34,417,000 |