Call reports 2003
SALT LICK DEPOSIT BANK, THE — 2003
What SALT LICK DEPOSIT BANK, 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 | 56,316,000 | 57,007,000 | 57,638,000 | 57,632,000 |
| Total loans | 36,321,000 | 37,327,000 | 38,352,000 | 39,925,000 |
| Allowance for loan losses | 486,000 | 514,000 | 533,000 | 571,000 |
| Securities available for sale | 8,357,000 | 7,774,000 | 7,683,000 | 7,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,509,000 | 44,322,000 | 45,021,000 | 45,050,000 |
| Interest-bearing deposits | 39,235,000 | 39,481,000 | 40,238,000 | 40,238,000 |
| Noninterest-bearing deposits | 4,274,000 | 4,841,000 | 4,783,000 | 4,812,000 |
| Equity capital | 5,066,000 | 5,089,000 | 5,088,000 | 5,172,000 |
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 | 742,000 | 1,479,000 | 2,231,000 | 3,029,000 |
| Interest expense | 470,000 | 939,000 | 1,396,000 | 1,836,000 |
| Net interest income | 272,000 | 540,000 | 835,000 | 1,193,000 |
| Noninterest income | 69,000 | 126,000 | 225,000 | 288,000 |
| Noninterest expense | 279,000 | 564,000 | 847,000 | 1,151,000 |
| Provision for loan losses | 5,000 | 44,000 | 129,000 | 137,000 |
| Pretax income | 57,000 | 58,000 | 84,000 | 193,000 |
| Income tax | 20,000 | -1,000 | 0 | 29,000 |
| Net income | 37,000 | 59,000 | 84,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,275,000 | 3,283,000 | 3,308,000 | 3,729,000 |
| Total capital | 3,700,000 | 3,707,000 | 3,749,000 | 4,185,000 |
| Risk-weighted assets | 33,953,000 | 33,831,000 | 35,196,000 | 36,329,000 |
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