Call reports 2003
FIRST BANK OF BELOIT — 2003
What FIRST BANK OF BELOIT 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 | 52,726,000 | 52,828,000 | 52,806,000 | 54,903,000 |
| Total loans | 30,863,000 | 30,629,000 | 28,716,000 | 30,690,000 |
| Allowance for loan losses | 424,000 | 424,000 | 424,000 | 425,000 |
| Securities available for sale | 15,507,000 | 14,881,000 | 16,856,000 | 16,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,812,000 | 43,804,000 | 43,813,000 | 45,992,000 |
| Interest-bearing deposits | 38,085,000 | 38,093,000 | 37,023,000 | 38,774,000 |
| Noninterest-bearing deposits | 5,727,000 | 5,711,000 | 6,790,000 | 7,218,000 |
| Equity capital | 5,515,000 | 5,587,000 | 5,563,000 | 5,584,000 |
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 | 686,000 | 1,348,000 | 1,972,000 | 2,595,000 |
| Interest expense | 225,000 | 417,000 | 602,000 | 773,000 |
| Net interest income | 461,000 | 931,000 | 1,370,000 | 1,822,000 |
| Noninterest income | 61,000 | 119,000 | 181,000 | 238,000 |
| Noninterest expense | 347,000 | 667,000 | 1,005,000 | 1,381,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 175,000 | 383,000 | 546,000 | 679,000 |
| Income tax | 49,000 | 112,000 | 160,000 | 180,000 |
| Net income | 126,000 | 271,000 | 386,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,344,000 | 5,430,000 | 5,484,000 | 5,533,000 |
| Total capital | 5,768,000 | 5,854,000 | 5,894,000 | 5,958,000 |
| Risk-weighted assets | 34,227,000 | 34,331,000 | 32,801,000 | 34,639,000 |
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