Call reports 2003
CARNEY STATE BANK, THE — 2003
What CARNEY STATE 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 | 14,855,000 | 14,748,000 | 14,935,000 | 14,924,000 |
| Total loans | 4,703,000 | 4,303,000 | 4,530,000 | 4,469,000 |
| Allowance for loan losses | 49,000 | 49,000 | 49,000 | 49,000 |
| Securities available for sale | 1,779,000 | 1,798,000 | 1,447,000 | 1,444,000 |
| Securities held to maturity | 5,485,000 | 6,752,000 | 6,524,000 | 7,782,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,454,000 | 13,346,000 | 13,599,000 | 13,586,000 |
| Interest-bearing deposits | 12,445,000 | 12,388,000 | 12,518,000 | 12,629,000 |
| Noninterest-bearing deposits | 1,009,000 | 958,000 | 1,081,000 | 957,000 |
| Equity capital | 1,320,000 | 1,322,000 | 1,278,000 | 1,290,000 |
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 | 203,000 | 398,000 | 591,000 | 783,000 |
| Interest expense | 89,000 | 178,000 | 258,000 | 330,000 |
| Net interest income | 114,000 | 220,000 | 333,000 | 453,000 |
| Noninterest income | 19,000 | 39,000 | 66,000 | 94,000 |
| Noninterest expense | 116,000 | 235,000 | 365,000 | 498,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 17,000 | 24,000 | 34,000 | 49,000 |
| Income tax | 3,000 | 3,000 | 5,000 | 5,000 |
| Net income | 14,000 | 21,000 | 29,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,262,000 | 1,252,000 | 1,241,000 | 1,255,000 |
| Total capital | 1,311,000 | 1,301,000 | 1,290,000 | 1,304,000 |
| Risk-weighted assets | 4,706,000 | 4,461,000 | 4,668,000 | 4,476,000 |