Call reports 2003
COSMOPOLITAN BANK AND TRUST — 2003
What COSMOPOLITAN BANK AND TRUST 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 | 328,380,000 | 340,357,000 | 334,192,000 | 354,508,000 |
| Total loans | 242,518,000 | 267,294,000 | 249,764,000 | 288,605,000 |
| Allowance for loan losses | 3,318,000 | 3,318,000 | 3,321,000 | 3,303,000 |
| Securities available for sale | 32,371,000 | 35,313,000 | 35,400,000 | 34,520,000 |
| Securities held to maturity | 3,759,000 | 3,759,000 | 3,262,000 | 3,164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,426,000 | 294,489,000 | 293,227,000 | 312,608,000 |
| Interest-bearing deposits | 260,098,000 | 258,967,000 | 258,497,000 | 273,989,000 |
| Noninterest-bearing deposits | 31,328,000 | 35,522,000 | 34,730,000 | 38,619,000 |
| Equity capital | 34,099,000 | 36,370,000 | 37,781,000 | 39,610,000 |
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 | 5,079,000 | 10,625,000 | 16,280,000 | 21,977,000 |
| Interest expense | 1,422,000 | 2,775,000 | 4,038,000 | 5,248,000 |
| Net interest income | 3,657,000 | 7,850,000 | 12,242,000 | 16,729,000 |
| Noninterest income | 1,285,000 | 2,134,000 | 2,529,000 | 3,430,000 |
| Noninterest expense | 2,429,000 | 4,712,000 | 7,028,000 | 9,493,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,513,000 | 5,272,000 | 7,979,000 | 10,927,000 |
| Income tax | 978,000 | 2,055,000 | 3,110,000 | 4,252,000 |
| Net income | 1,535,000 | 3,217,000 | 4,869,000 | 6,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,560,000 | 35,242,000 | 36,645,000 | 38,485,000 |
| Total capital | 36,878,000 | 38,560,000 | 39,966,000 | 41,788,000 |
| Risk-weighted assets | 310,798,000 | 331,522,000 | 322,213,000 | 356,725,000 |