Call reports 2003
CLARKE COUNTY STATE BANK — 2003
What CLARKE COUNTY STATE 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 | 107,526,000 | 104,710,000 | 104,603,000 | 105,196,000 |
| Total loans | 75,751,000 | 74,430,000 | 76,592,000 | 78,134,000 |
| Allowance for loan losses | 1,039,000 | 763,000 | 863,000 | 926,000 |
| Securities available for sale | 12,075,000 | 9,303,000 | 7,965,000 | 13,285,000 |
| Securities held to maturity | 4,359,000 | 4,226,000 | 4,207,000 | 4,129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,513,000 | 89,456,000 | 88,598,000 | 89,895,000 |
| Interest-bearing deposits | 88,509,000 | 85,108,000 | 84,128,000 | 84,183,000 |
| Noninterest-bearing deposits | 4,004,000 | 4,348,000 | 4,470,000 | 5,712,000 |
| Equity capital | 7,970,000 | 8,192,000 | 8,265,000 | 8,301,000 |
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 | 1,349,000 | 2,686,000 | 4,002,000 | 5,300,000 |
| Interest expense | 522,000 | 1,019,000 | 1,497,000 | 1,966,000 |
| Net interest income | 827,000 | 1,667,000 | 2,505,000 | 3,334,000 |
| Noninterest income | 139,000 | 329,000 | 480,000 | 639,000 |
| Noninterest expense | 699,000 | 1,421,000 | 2,152,000 | 3,062,000 |
| Provision for loan losses | 60,000 | 120,000 | 248,000 | 357,000 |
| Pretax income | 207,000 | 455,000 | 585,000 | 554,000 |
| Income tax | 45,000 | 95,000 | 105,000 | 53,000 |
| Net income | 162,000 | 360,000 | 480,000 | 501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,851,000 | 8,049,000 | 8,169,000 | 8,190,000 |
| Total capital | 8,814,000 | 8,812,000 | 9,032,000 | 9,116,000 |
| Risk-weighted assets | 76,962,000 | 75,028,000 | 75,213,000 | 76,251,000 |