Call reports 2003
INTERSTATE BANK — 2003
What INTERSTATE 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 | 72,876,000 | 70,359,000 | 73,519,000 | 76,095,000 |
| Total loans | 45,044,000 | 46,475,000 | 46,891,000 | 50,045,000 |
| Allowance for loan losses | 514,000 | 505,000 | 502,000 | 517,000 |
| Securities available for sale | 13,979,000 | 12,533,000 | 15,702,000 | 16,093,000 |
| Securities held to maturity | 34,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,261,000 | 60,639,000 | 66,096,000 | 67,548,000 |
| Interest-bearing deposits | 59,178,000 | 54,250,000 | 60,734,000 | 62,510,000 |
| Noninterest-bearing deposits | 4,083,000 | 6,389,000 | 5,362,000 | 5,038,000 |
| Equity capital | 6,233,000 | 6,377,000 | 6,323,000 | 6,221,000 |
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 | 928,000 | 1,826,000 | 2,690,000 | 3,570,000 |
| Interest expense | 267,000 | 516,000 | 732,000 | 939,000 |
| Net interest income | 661,000 | 1,310,000 | 1,958,000 | 2,631,000 |
| Noninterest income | 110,000 | 255,000 | 400,000 | 460,000 |
| Noninterest expense | 435,000 | 873,000 | 1,361,000 | 1,886,000 |
| Provision for loan losses | 0 | 0 | 0 | 34,000 |
| Pretax income | 334,000 | 690,000 | 995,000 | 1,169,000 |
| Income tax | -9,000 | -19,000 | -28,000 | 0 |
| Net income | 343,000 | 709,000 | 1,023,000 | 1,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,329,000 | 5,440,000 | 5,487,000 | 5,428,000 |
| Total capital | 5,843,000 | 5,945,000 | 5,989,000 | 5,945,000 |
| Risk-weighted assets | 42,615,000 | 43,008,000 | 42,650,000 | 46,322,000 |
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