Call reports 2003
1ST EQUITY BANK — 2003
What 1ST EQUITY 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 | 105,220,000 | 107,471,000 | 104,370,000 | 108,209,000 |
| Total loans | 87,581,000 | 88,557,000 | 92,213,000 | 90,655,000 |
| Allowance for loan losses | 897,000 | 897,000 | 907,000 | 907,000 |
| Securities available for sale | 1,499,000 | 1,477,000 | 1,353,000 | 1,300,000 |
| Securities held to maturity | 1,002,000 | 1,001,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,745,000 | 92,031,000 | 88,864,000 | 91,906,000 |
| Interest-bearing deposits | 85,106,000 | 85,866,000 | 80,665,000 | 85,222,000 |
| Noninterest-bearing deposits | 4,639,000 | 6,165,000 | 8,199,000 | 6,684,000 |
| Equity capital | 10,273,000 | 10,208,000 | 10,253,000 | 10,017,000 |
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 | 1,448,000 | 2,892,000 | 4,302,000 | 5,692,000 |
| Interest expense | 641,000 | 1,259,000 | 1,801,000 | 2,328,000 |
| Net interest income | 807,000 | 1,633,000 | 2,501,000 | 3,364,000 |
| Noninterest income | 74,000 | 143,000 | 196,000 | 228,000 |
| Noninterest expense | 419,000 | 856,000 | 1,289,000 | 1,756,000 |
| Provision for loan losses | 5,000 | 5,000 | 15,000 | 15,000 |
| Pretax income | 457,000 | 915,000 | 1,393,000 | 1,821,000 |
| Income tax | 6,000 | 14,000 | 21,000 | 24,000 |
| Net income | 451,000 | 901,000 | 1,372,000 | 1,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,179,000 | 10,074,000 | 10,155,000 | 9,921,000 |
| Total capital | 11,076,000 | 10,971,000 | 11,062,000 | 10,828,000 |
| Risk-weighted assets | 77,409,000 | 78,618,000 | 80,040,000 | 82,277,000 |
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