Call reports 2003
COMMUNITY BANK OF RAYMORE — 2003
What COMMUNITY BANK OF RAYMORE 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 | 77,791,000 | 78,045,000 | 78,827,000 | 80,038,000 |
| Total loans | 54,980,000 | 55,597,000 | 54,314,000 | 56,271,000 |
| Allowance for loan losses | 544,000 | 560,000 | 560,000 | 548,000 |
| Securities available for sale | 9,497,000 | 9,474,000 | 9,885,000 | 10,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,732,000 | 71,675,000 | 72,289,000 | 73,979,000 |
| Interest-bearing deposits | 58,245,000 | 57,229,000 | 55,234,000 | 58,132,000 |
| Noninterest-bearing deposits | 13,487,000 | 14,446,000 | 17,055,000 | 15,847,000 |
| Equity capital | 5,648,000 | 5,971,000 | 6,130,000 | 5,676,000 |
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 | 960,000 | 1,932,000 | 2,880,000 | 3,770,000 |
| Interest expense | 242,000 | 463,000 | 668,000 | 855,000 |
| Net interest income | 718,000 | 1,469,000 | 2,212,000 | 2,915,000 |
| Noninterest income | 488,000 | 1,030,000 | 1,552,000 | 2,058,000 |
| Noninterest expense | 853,000 | 1,711,000 | 2,621,000 | 3,546,000 |
| Provision for loan losses | 1,000 | 8,000 | 15,000 | 23,000 |
| Pretax income | 352,000 | 780,000 | 1,128,000 | 1,404,000 |
| Income tax | 136,000 | 300,000 | 430,000 | 536,000 |
| Net income | 216,000 | 480,000 | 698,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,453,000 | 5,716,000 | 5,934,000 | 5,504,000 |
| Total capital | 5,997,000 | 6,276,000 | 6,494,000 | 6,052,000 |
| Risk-weighted assets | 57,804,000 | 59,590,000 | 59,366,000 | 62,299,000 |