Call reports 2003
COMMUNITY BANK OF OELWEIN — 2003
What COMMUNITY BANK OF OELWEIN 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 | 42,174,000 | 41,669,000 | 41,821,000 | 41,686,000 |
| Total loans | 33,059,000 | 33,247,000 | 33,902,000 | 33,618,000 |
| Allowance for loan losses | 388,000 | 386,000 | 412,000 | 402,000 |
| Securities available for sale | 1,258,000 | 1,437,000 | 1,339,000 | 1,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,909,000 | 34,372,000 | 34,433,000 | 34,127,000 |
| Interest-bearing deposits | 32,380,000 | 32,967,000 | 32,770,000 | 32,692,000 |
| Noninterest-bearing deposits | 1,529,000 | 1,405,000 | 1,663,000 | 1,435,000 |
| Equity capital | 2,893,000 | 2,949,000 | 2,981,000 | 3,035,000 |
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 | 641,000 | 1,283,000 | 1,921,000 | 2,564,000 |
| Interest expense | 327,000 | 648,000 | 959,000 | 1,249,000 |
| Net interest income | 314,000 | 635,000 | 962,000 | 1,315,000 |
| Noninterest income | 58,000 | 117,000 | 184,000 | 247,000 |
| Noninterest expense | 252,000 | 514,000 | 823,000 | 1,067,000 |
| Provision for loan losses | 40,000 | 70,000 | 100,000 | 142,000 |
| Pretax income | 80,000 | 168,000 | 223,000 | 353,000 |
| Income tax | 29,000 | 61,000 | 81,000 | 135,000 |
| Net income | 51,000 | 107,000 | 142,000 | 218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,884,000 | 2,939,000 | 2,975,000 | 3,033,000 |
| Total capital | 3,272,000 | 3,325,000 | 3,382,000 | 3,435,000 |
| Risk-weighted assets | 32,451,000 | 32,321,000 | 32,549,000 | 32,770,000 |