Call reports 2003
APPLE CREEK BANKING COMPANY, THE — 2003
What APPLE CREEK BANKING COMPANY, 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 | 75,845,000 | 74,065,000 | 73,030,000 | 73,901,000 |
| Total loans | 55,454,000 | 53,319,000 | 54,528,000 | 54,430,000 |
| Allowance for loan losses | 492,000 | 474,000 | 469,000 | 461,000 |
| Securities available for sale | 5,286,000 | 6,564,000 | 6,504,000 | 6,501,000 |
| Securities held to maturity | 44,000 | 42,000 | 42,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,740,000 | 66,923,000 | 65,397,000 | 66,244,000 |
| Interest-bearing deposits | 55,363,000 | 54,590,000 | 53,710,000 | 53,397,000 |
| Noninterest-bearing deposits | 12,377,000 | 12,333,000 | 11,687,000 | 12,847,000 |
| Equity capital | 5,900,000 | 5,985,000 | 5,983,000 | 5,920,000 |
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 | 1,084,000 | 2,123,000 | 3,100,000 | 4,063,000 |
| Interest expense | 250,000 | 448,000 | 594,000 | 734,000 |
| Net interest income | 834,000 | 1,675,000 | 2,506,000 | 3,329,000 |
| Noninterest income | 123,000 | 299,000 | 446,000 | 546,000 |
| Noninterest expense | 689,000 | 1,373,000 | 2,055,000 | 2,842,000 |
| Provision for loan losses | 0 | 5,000 | 20,000 | 25,000 |
| Pretax income | 268,000 | 596,000 | 877,000 | 1,008,000 |
| Income tax | 91,000 | 202,000 | 298,000 | 342,000 |
| Net income | 177,000 | 394,000 | 579,000 | 666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,870,000 | 5,939,000 | 5,971,000 | 5,908,000 |
| Total capital | 6,362,000 | 6,413,000 | 6,440,000 | 6,369,000 |
| Risk-weighted assets | 43,426,000 | 42,077,000 | 44,441,000 | 44,610,000 |
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