Call reports 2003
FIVE POINTS BANK OF HASTINGS — 2003
What FIVE POINTS BANK OF HASTINGS 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 | 72,800,000 | 74,008,000 | 77,574,000 | 83,037,000 |
| Total loans | 44,067,000 | 51,781,000 | 59,284,000 | 60,663,000 |
| Allowance for loan losses | 256,000 | 254,000 | 251,000 | 320,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,286,000 | 13,481,000 | 9,914,000 | 8,475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,823,000 | 58,614,000 | 60,303,000 | 67,672,000 |
| Interest-bearing deposits | 53,228,000 | 53,904,000 | 55,791,000 | 62,455,000 |
| Noninterest-bearing deposits | 4,595,000 | 4,710,000 | 4,512,000 | 5,217,000 |
| Equity capital | 5,394,000 | 5,548,000 | 5,758,000 | 7,597,000 |
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 | 864,000 | 1,746,000 | 2,718,000 | 3,993,000 |
| Interest expense | 439,000 | 845,000 | 1,241,000 | 1,695,000 |
| Net interest income | 425,000 | 901,000 | 1,477,000 | 2,298,000 |
| Noninterest income | 106,000 | 224,000 | 363,000 | 466,000 |
| Noninterest expense | 378,000 | 747,000 | 1,167,000 | 1,727,000 |
| Provision for loan losses | 10,000 | 30,000 | 60,000 | 135,000 |
| Pretax income | 143,000 | 348,000 | 613,000 | 902,000 |
| Income tax | 30,000 | 81,000 | 136,000 | 274,000 |
| Net income | 113,000 | 267,000 | 477,000 | 628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,318,000 | 5,473,000 | 5,685,000 | 7,526,000 |
| Total capital | 5,574,000 | 5,727,000 | 5,936,000 | 7,846,000 |
| Risk-weighted assets | 46,092,000 | 52,827,000 | 60,528,000 | 62,166,000 |
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