Call reports 2003
CITY STATE BANK OF PALACIOS, THE — 2003
What CITY STATE BANK OF PALACIOS, 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 | 41,409,000 | 41,316,000 | 42,988,000 | 44,535,000 |
| Total loans | 27,209,000 | 28,975,000 | 27,586,000 | 24,122,000 |
| Allowance for loan losses | 415,000 | 443,000 | 428,000 | 403,000 |
| Securities available for sale | 8,808,000 | 3,735,000 | 9,687,000 | 10,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,106,000 | 36,988,000 | 38,566,000 | 40,166,000 |
| Interest-bearing deposits | 29,191,000 | 29,401,000 | 27,848,000 | 28,191,000 |
| Noninterest-bearing deposits | 7,915,000 | 7,587,000 | 10,718,000 | 11,975,000 |
| Equity capital | 4,003,000 | 4,026,000 | 4,080,000 | 4,055,000 |
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 | 538,000 | 1,080,000 | 1,620,000 | 2,118,000 |
| Interest expense | 153,000 | 284,000 | 395,000 | 496,000 |
| Net interest income | 385,000 | 796,000 | 1,225,000 | 1,622,000 |
| Noninterest income | 97,000 | 196,000 | 299,000 | 391,000 |
| Noninterest expense | 457,000 | 919,000 | 1,368,000 | 1,805,000 |
| Provision for loan losses | 65,000 | 65,000 | 65,000 | 65,000 |
| Pretax income | -40,000 | 8,000 | 91,000 | 143,000 |
| Income tax | 8,000 | 8,000 | 31,000 | 49,000 |
| Net income | -48,000 | 0 | 60,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,992,000 | 4,020,000 | 4,080,000 | 4,055,000 |
| Total capital | 4,259,000 | 4,281,000 | 4,336,000 | 4,309,000 |
| Risk-weighted assets | 21,282,000 | 20,977,000 | 20,684,000 | 20,183,000 |