Call reports 2003
POCAHONTAS STATE BANK — 2003
What POCAHONTAS STATE 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 | 57,774,000 | 55,638,000 | 55,439,000 | 56,327,000 |
| Total loans | 29,390,000 | 29,059,000 | 28,742,000 | 29,171,000 |
| Allowance for loan losses | 296,000 | 296,000 | 304,000 | 304,000 |
| Securities available for sale | 6,214,000 | 9,812,000 | 9,476,000 | 10,726,000 |
| Securities held to maturity | 13,207,000 | 9,541,000 | 9,699,000 | 9,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,318,000 | 47,071,000 | 46,963,000 | 47,602,000 |
| Interest-bearing deposits | 45,202,000 | 43,628,000 | 42,705,000 | 42,751,000 |
| Noninterest-bearing deposits | 4,116,000 | 3,443,000 | 4,258,000 | 4,851,000 |
| Equity capital | 7,765,000 | 7,669,000 | 7,592,000 | 7,874,000 |
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 | 761,000 | 1,507,000 | 2,214,000 | 2,917,000 |
| Interest expense | 282,000 | 557,000 | 821,000 | 1,072,000 |
| Net interest income | 479,000 | 950,000 | 1,393,000 | 1,845,000 |
| Noninterest income | 41,000 | 280,000 | 315,000 | 374,000 |
| Noninterest expense | 200,000 | 449,000 | 638,000 | 830,000 |
| Provision for loan losses | 0 | 0 | 125,000 | 125,000 |
| Pretax income | 323,000 | 784,000 | 948,000 | 1,273,000 |
| Income tax | 8,000 | 17,000 | 25,000 | 0 |
| Net income | 315,000 | 767,000 | 923,000 | 1,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,211,000 | 5,088,000 | 5,169,000 | 5,434,000 |
| Total capital | 5,507,000 | 5,384,000 | 5,473,000 | 5,738,000 |
| Risk-weighted assets | 36,360,000 | 36,025,000 | 34,294,000 | 34,633,000 |
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