Call reports 2003
CFG BANK — 2003
What CFG BANK 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 | 27,936,000 | 28,246,000 | 27,558,000 | 27,067,000 |
| Total loans | 15,752,000 | 18,775,000 | 19,766,000 | 16,930,000 |
| Allowance for loan losses | 284,000 | 285,000 | 300,000 | 275,000 |
| Securities available for sale | 457,000 | 391,000 | 348,000 | 337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,320,000 | 25,790,000 | 25,597,000 | 25,399,000 |
| Interest-bearing deposits | 23,013,000 | 23,431,000 | 23,437,000 | 23,480,000 |
| Noninterest-bearing deposits | 2,307,000 | 2,359,000 | 2,160,000 | 1,920,000 |
| Equity capital | 2,509,000 | 2,217,000 | 1,847,000 | 1,532,000 |
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 | 328,000 | 688,000 | 1,058,000 | 1,407,000 |
| Interest expense | 173,000 | 376,000 | 567,000 | 751,000 |
| Net interest income | 155,000 | 312,000 | 491,000 | 656,000 |
| Noninterest income | 286,000 | 401,000 | 443,000 | 514,000 |
| Noninterest expense | 538,000 | 1,109,000 | 1,673,000 | 2,210,000 |
| Provision for loan losses | 30,000 | 45,000 | 60,000 | 75,000 |
| Pretax income | -127,000 | -441,000 | -799,000 | -1,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -127,000 | -441,000 | -799,000 | -1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,477,000 | 2,167,000 | 1,798,000 | 1,484,000 |
| Total capital | 2,681,000 | 2,406,000 | 2,052,000 | 1,707,000 |
| Risk-weighted assets | 14,853,000 | 18,454,000 | 19,615,000 | 17,774,000 |