Call reports 2003
BANK OF MAGNOLIA COMPANY, THE — 2003
What BANK OF MAGNOLIA 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 | 57,900,000 | 59,351,000 | 60,162,000 | 58,614,000 |
| Total loans | 28,646,000 | 29,475,000 | 30,046,000 | 30,161,000 |
| Allowance for loan losses | 365,000 | 378,000 | 408,000 | 426,000 |
| Securities available for sale | 22,088,000 | 23,350,000 | 23,962,000 | 23,143,000 |
| Securities held to maturity | 542,000 | 863,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,827,000 | 52,824,000 | 53,712,000 | 52,026,000 |
| Interest-bearing deposits | 44,253,000 | 45,034,000 | 45,466,000 | 43,671,000 |
| Noninterest-bearing deposits | 7,574,000 | 7,790,000 | 8,246,000 | 8,355,000 |
| Equity capital | 5,633,000 | 6,009,000 | 6,001,000 | 6,105,000 |
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 | 770,000 | 1,544,000 | 2,297,000 | 3,059,000 |
| Interest expense | 204,000 | 397,000 | 565,000 | 719,000 |
| Net interest income | 566,000 | 1,147,000 | 1,732,000 | 2,340,000 |
| Noninterest income | 72,000 | 192,000 | 283,000 | 374,000 |
| Noninterest expense | 410,000 | 906,000 | 1,359,000 | 1,879,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 198,000 | 375,000 | 571,000 | 719,000 |
| Income tax | 36,000 | 71,000 | 107,000 | 153,000 |
| Net income | 162,000 | 304,000 | 464,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,879,000 | 5,021,000 | 5,132,000 | 5,235,000 |
| Total capital | 5,495,000 | 5,709,000 | 5,881,000 | 6,005,000 |
| Risk-weighted assets | 30,770,000 | 31,233,000 | 32,237,000 | 32,109,000 |
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