Call reports 2003
CITY BANK — 2003
What CITY 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 | 598,754,000 | 663,542,000 | 698,289,000 | 726,049,000 |
| Total loans | 450,880,000 | 509,046,000 | 545,703,000 | 567,180,000 |
| Allowance for loan losses | 4,740,000 | 5,549,000 | 6,223,000 | 5,713,000 |
| Securities available for sale | 43,673,000 | 41,308,000 | 38,194,000 | 37,120,000 |
| Securities held to maturity | 710,000 | 710,000 | 710,000 | 490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,831,000 | 502,306,000 | 553,663,000 | 581,499,000 |
| Interest-bearing deposits | 400,827,000 | 442,703,000 | 489,015,000 | 515,656,000 |
| Noninterest-bearing deposits | 70,004,000 | 59,603,000 | 64,648,000 | 65,843,000 |
| Equity capital | 65,095,000 | 68,421,000 | 68,699,000 | 71,298,000 |
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 | 8,346,000 | 17,193,000 | 26,770,000 | 36,811,000 |
| Interest expense | 2,306,000 | 4,674,000 | 7,122,000 | 9,735,000 |
| Net interest income | 6,040,000 | 12,519,000 | 19,648,000 | 27,076,000 |
| Noninterest income | 2,897,000 | 5,619,000 | 8,733,000 | 12,016,000 |
| Noninterest expense | 6,091,000 | 12,933,000 | 20,275,000 | 27,675,000 |
| Provision for loan losses | 973,000 | 2,053,000 | 3,482,000 | 4,032,000 |
| Pretax income | 1,873,000 | 3,152,000 | 4,624,000 | 7,385,000 |
| Income tax | 0 | 0 | 0 | -106,000 |
| Net income | 1,873,000 | 3,152,000 | 4,624,000 | 7,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,656,000 | 58,335,000 | 59,807,000 | 62,374,000 |
| Total capital | 60,396,000 | 63,884,000 | 66,030,000 | 68,087,000 |
| Risk-weighted assets | 511,738,000 | 574,016,000 | 609,952,000 | 646,215,000 |