Call reports 2003
COMMERCIAL STATE BANK OF WATERLOO — 2003
What COMMERCIAL STATE BANK OF WATERLOO 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 | 88,885,000 | 92,546,000 | 90,394,000 | 90,838,000 |
| Total loans | 41,506,000 | 44,360,000 | 44,449,000 | 45,873,000 |
| Allowance for loan losses | 527,000 | 523,000 | 484,000 | 473,000 |
| Securities available for sale | 23,373,000 | 22,458,000 | 21,140,000 | 20,023,000 |
| Securities held to maturity | 17,351,000 | 21,130,000 | 20,099,000 | 19,244,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,346,000 | 80,111,000 | 77,053,000 | 78,431,000 |
| Interest-bearing deposits | 70,743,000 | 70,777,000 | 68,634,000 | 69,106,000 |
| Noninterest-bearing deposits | 8,603,000 | 9,334,000 | 8,419,000 | 9,325,000 |
| Equity capital | 8,295,000 | 8,548,000 | 8,579,000 | 8,664,000 |
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 | 1,237,000 | 2,474,000 | 3,684,000 | 4,893,000 |
| Interest expense | 479,000 | 945,000 | 1,366,000 | 1,751,000 |
| Net interest income | 758,000 | 1,529,000 | 2,318,000 | 3,142,000 |
| Noninterest income | 149,000 | 338,000 | 449,000 | 560,000 |
| Noninterest expense | 555,000 | 1,094,000 | 1,694,000 | 2,338,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 377,000 | 835,000 | 1,142,000 | 1,461,000 |
| Income tax | 114,000 | 265,000 | 352,000 | 446,000 |
| Net income | 263,000 | 570,000 | 790,000 | 1,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,752,000 | 7,916,000 | 8,136,000 | 8,271,000 |
| Total capital | 8,279,000 | 8,439,000 | 8,620,000 | 8,744,000 |
| Risk-weighted assets | 52,869,000 | 55,135,000 | 55,678,000 | 56,582,000 |