Call reports 2003
COUNTRYSIDE BANK — 2003
What COUNTRYSIDE 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 | 687,138,000 | 720,947,000 | 736,775,000 | 754,543,000 |
| Total loans | 473,222,000 | 491,283,000 | 508,803,000 | 538,352,000 |
| Allowance for loan losses | 6,387,000 | 6,636,000 | 6,933,000 | 7,077,000 |
| Securities available for sale | 170,515,000 | 176,500,000 | 173,778,000 | 172,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 569,300,000 | 599,853,000 | 615,458,000 | 609,386,000 |
| Interest-bearing deposits | 481,052,000 | 500,500,000 | 502,647,000 | 502,052,000 |
| Noninterest-bearing deposits | 88,248,000 | 99,353,000 | 112,811,000 | 107,334,000 |
| Equity capital | 70,791,000 | 73,383,000 | 73,729,000 | 74,675,000 |
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 | 10,768,000 | 21,944,000 | 33,194,000 | 44,889,000 |
| Interest expense | 3,585,000 | 7,159,000 | 10,624,000 | 13,962,000 |
| Net interest income | 7,183,000 | 14,785,000 | 22,570,000 | 30,927,000 |
| Noninterest income | 679,000 | 1,390,000 | 2,120,000 | 2,841,000 |
| Noninterest expense | 2,675,000 | 5,388,000 | 8,179,000 | 11,254,000 |
| Provision for loan losses | 225,000 | 475,000 | 775,000 | 1,175,000 |
| Pretax income | 5,201,000 | 10,554,000 | 16,020,000 | 21,494,000 |
| Income tax | 63,000 | 120,000 | 169,000 | 217,000 |
| Net income | 5,138,000 | 10,434,000 | 15,851,000 | 21,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,286,000 | 63,731,000 | 66,002,000 | 67,763,000 |
| Total capital | 68,673,000 | 70,370,000 | 72,936,000 | 74,845,000 |
| Risk-weighted assets | 594,513,000 | 630,467,000 | 658,163,000 | 676,287,000 |