Call reports 2003
FRIEND BANK — 2003
What FRIEND 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 | 45,685,000 | 48,853,000 | 50,201,000 | 46,870,000 |
| Total loans | 15,466,000 | 15,475,000 | 15,134,000 | 15,024,000 |
| Allowance for loan losses | 199,000 | 190,000 | 193,000 | 194,000 |
| Securities available for sale | 26,122,000 | 30,000,000 | 31,099,000 | 28,648,000 |
| Securities held to maturity | 1,405,000 | 1,370,000 | 1,270,000 | 1,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,009,000 | 32,571,000 | 32,429,000 | 32,890,000 |
| Interest-bearing deposits | 28,097,000 | 28,144,000 | 28,008,000 | 28,015,000 |
| Noninterest-bearing deposits | 4,912,000 | 4,427,000 | 4,421,000 | 4,875,000 |
| Equity capital | 5,091,000 | 5,410,000 | 4,943,000 | 5,024,000 |
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 | 566,000 | 1,120,000 | 1,655,000 | 2,198,000 |
| Interest expense | 187,000 | 371,000 | 548,000 | 699,000 |
| Net interest income | 379,000 | 749,000 | 1,107,000 | 1,499,000 |
| Noninterest income | 48,000 | 100,000 | 165,000 | 214,000 |
| Noninterest expense | 308,000 | 623,000 | 939,000 | 1,262,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 119,000 | 233,000 | 369,000 | 467,000 |
| Income tax | 11,000 | 19,000 | 29,000 | 34,000 |
| Net income | 108,000 | 214,000 | 340,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,640,000 | 4,659,000 | 4,744,000 | 4,796,000 |
| Total capital | 4,839,000 | 4,849,000 | 4,937,000 | 4,990,000 |
| Risk-weighted assets | 21,722,000 | 22,306,000 | 22,274,000 | 21,512,000 |
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