Call reports 2003
HAVILAND STATE BANK, THE — 2003
What HAVILAND STATE 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 | 19,670,000 | 19,505,000 | 18,579,000 | 19,128,000 |
| Total loans | 14,060,000 | 13,978,000 | 13,185,000 | 13,633,000 |
| Allowance for loan losses | 273,000 | 200,000 | 218,000 | 213,000 |
| Securities available for sale | 966,000 | 1,203,000 | 1,171,000 | 1,179,000 |
| Securities held to maturity | 687,000 | 646,000 | 596,000 | 586,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,643,000 | 16,075,000 | 16,555,000 | 16,946,000 |
| Interest-bearing deposits | 14,009,000 | 13,331,000 | 13,222,000 | 12,924,000 |
| Noninterest-bearing deposits | 2,634,000 | 2,744,000 | 3,333,000 | 4,022,000 |
| Equity capital | 1,917,000 | 1,956,000 | 1,974,000 | 2,003,000 |
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 | 287,000 | 564,000 | 846,000 | 1,157,000 |
| Interest expense | 76,000 | 143,000 | 206,000 | 263,000 |
| Net interest income | 211,000 | 421,000 | 640,000 | 894,000 |
| Noninterest income | 24,000 | 47,000 | 71,000 | 107,000 |
| Noninterest expense | 147,000 | 296,000 | 450,000 | 703,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 27,000 |
| Pretax income | 79,000 | 154,000 | 234,000 | 271,000 |
| Income tax | 19,000 | 45,000 | 56,000 | 69,000 |
| Net income | 60,000 | 109,000 | 178,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,897,000 | 1,916,000 | 1,974,000 | 2,003,000 |
| Total capital | 2,048,000 | 2,086,000 | 2,135,000 | 2,147,000 |
| Risk-weighted assets | 11,974,000 | 13,553,000 | 12,800,000 | 11,432,000 |
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