Call reports 2003
CITIZENS EXCHANGE BANK, THE — 2003
What CITIZENS EXCHANGE BANK, 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 | 48,303,000 | 48,293,000 | 49,089,000 | 50,945,000 |
| Total loans | 27,814,000 | 28,160,000 | 27,193,000 | 26,815,000 |
| Allowance for loan losses | 691,000 | 701,000 | 703,000 | 687,000 |
| Securities available for sale | 14,034,000 | 11,124,000 | 11,121,000 | 12,092,000 |
| Securities held to maturity | 2,453,000 | 2,674,000 | 2,767,000 | 4,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,134,000 | 42,013,000 | 42,723,000 | 44,666,000 |
| Interest-bearing deposits | 36,223,000 | 36,113,000 | 36,316,000 | 37,208,000 |
| Noninterest-bearing deposits | 5,911,000 | 5,900,000 | 6,407,000 | 7,458,000 |
| Equity capital | 5,890,000 | 5,908,000 | 5,973,000 | 6,007,000 |
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 | 662,000 | 1,310,000 | 1,941,000 | 2,532,000 |
| Interest expense | 270,000 | 528,000 | 776,000 | 1,021,000 |
| Net interest income | 392,000 | 782,000 | 1,165,000 | 1,511,000 |
| Noninterest income | 51,000 | 118,000 | 164,000 | 209,000 |
| Noninterest expense | 320,000 | 704,000 | 1,015,000 | 1,379,000 |
| Provision for loan losses | 4,000 | 8,000 | 13,000 | 13,000 |
| Pretax income | 121,000 | 189,000 | 303,000 | 331,000 |
| Income tax | 39,000 | 76,000 | 114,000 | 96,000 |
| Net income | 82,000 | 113,000 | 189,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,803,000 | 5,834,000 | 5,911,000 | 5,956,000 |
| Total capital | 6,141,000 | 6,180,000 | 6,246,000 | 6,292,000 |
| Risk-weighted assets | 26,718,000 | 27,330,000 | 26,435,000 | 26,537,000 |