Call reports 2003
JAMES POLK STONE COMMUNITY BANK — 2003
What JAMES POLK STONE COMMUNITY 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 | 90,551,000 | 89,832,000 | 95,650,000 | 98,422,000 |
| Total loans | 40,012,000 | 43,444,000 | 43,701,000 | 43,491,000 |
| Allowance for loan losses | 594,000 | 569,000 | 515,000 | 473,000 |
| Securities available for sale | 10,229,000 | 10,390,000 | 11,197,000 | 12,699,000 |
| Securities held to maturity | 19,262,000 | 17,396,000 | 15,380,000 | 17,661,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,701,000 | 76,073,000 | 80,875,000 | 83,273,000 |
| Interest-bearing deposits | 59,579,000 | 58,090,000 | 61,048,000 | 62,779,000 |
| Noninterest-bearing deposits | 17,123,000 | 17,983,000 | 19,827,000 | 20,494,000 |
| Equity capital | 9,269,000 | 9,615,000 | 9,645,000 | 9,830,000 |
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 | 1,290,000 | 2,610,000 | 3,948,000 | 5,291,000 |
| Interest expense | 211,000 | 416,000 | 607,000 | 791,000 |
| Net interest income | 1,079,000 | 2,194,000 | 3,341,000 | 4,500,000 |
| Noninterest income | 237,000 | 503,000 | 755,000 | 1,071,000 |
| Noninterest expense | 1,187,000 | 2,311,000 | 3,455,000 | 4,695,000 |
| Provision for loan losses | 20,000 | 30,000 | 30,000 | 86,000 |
| Pretax income | 109,000 | 356,000 | 611,000 | 790,000 |
| Income tax | 3,000 | 2,000 | 3,000 | 3,000 |
| Net income | 106,000 | 354,000 | 608,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,749,000 | 8,930,000 | 9,157,000 | 9,336,000 |
| Total capital | 9,338,000 | 9,499,000 | 9,672,000 | 9,809,000 |
| Risk-weighted assets | 47,108,000 | 49,557,000 | 50,780,000 | 50,335,000 |
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