Call reports 2003
CS BANK — 2003
What CS 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 | 90,496,000 | 93,028,000 | 93,622,000 | 93,156,000 |
| Total loans | 58,303,000 | 57,697,000 | 56,522,000 | 56,889,000 |
| Allowance for loan losses | 682,000 | 680,000 | 677,000 | 673,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,626,000 | 17,677,000 | 24,216,000 | 24,922,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,894,000 | 71,268,000 | 73,152,000 | 71,751,000 |
| Interest-bearing deposits | 64,701,000 | 65,089,000 | 65,815,000 | 66,006,000 |
| Noninterest-bearing deposits | 5,193,000 | 6,179,000 | 7,337,000 | 5,744,000 |
| Equity capital | 10,243,000 | 10,465,000 | 10,724,000 | 10,751,000 |
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 | 1,214,000 | 2,413,000 | 3,598,000 | 4,780,000 |
| Interest expense | 429,000 | 832,000 | 1,206,000 | 1,564,000 |
| Net interest income | 785,000 | 1,581,000 | 2,392,000 | 3,216,000 |
| Noninterest income | 188,000 | 405,000 | 618,000 | 840,000 |
| Noninterest expense | 589,000 | 1,261,000 | 1,904,000 | 2,623,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 354,000 | 665,000 | 1,046,000 | 1,373,000 |
| Income tax | 118,000 | 207,000 | 329,000 | 429,000 |
| Net income | 236,000 | 458,000 | 717,000 | 944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,243,000 | 10,465,000 | 10,724,000 | 10,751,000 |
| Total capital | 10,925,000 | 11,145,000 | 11,401,000 | 11,424,000 |
| Risk-weighted assets | 59,122,000 | 59,642,000 | 60,328,000 | 62,191,000 |