Call reports 2003
STOCK GROWERS BANK — 2003
What STOCK GROWERS 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 | 64,424,000 | 62,819,000 | 62,562,000 | 65,573,000 |
| Total loans | 27,480,000 | 29,332,000 | 30,820,000 | 30,273,000 |
| Allowance for loan losses | 354,000 | 363,000 | 378,000 | 342,000 |
| Securities available for sale | 27,956,000 | 25,744,000 | 24,496,000 | 26,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,524,000 | 49,325,000 | 48,988,000 | 52,078,000 |
| Interest-bearing deposits | 44,916,000 | 42,873,000 | 41,031,000 | 42,054,000 |
| Noninterest-bearing deposits | 6,608,000 | 6,452,000 | 7,957,000 | 10,024,000 |
| Equity capital | 12,620,000 | 13,186,000 | 13,276,000 | 13,282,000 |
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 | 823,000 | 1,623,000 | 2,367,000 | 3,105,000 |
| Interest expense | 227,000 | 435,000 | 613,000 | 780,000 |
| Net interest income | 596,000 | 1,188,000 | 1,754,000 | 2,325,000 |
| Noninterest income | 59,000 | 109,000 | 163,000 | 228,000 |
| Noninterest expense | 210,000 | 401,000 | 653,000 | 1,292,000 |
| Provision for loan losses | -86,000 | -79,000 | -64,000 | -98,000 |
| Pretax income | 501,000 | 945,000 | 1,328,000 | 1,361,000 |
| Income tax | 35,000 | 66,000 | 93,000 | 97,000 |
| Net income | 466,000 | 879,000 | 1,235,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,034,000 | 12,447,000 | 12,803,000 | 12,832,000 |
| Total capital | 12,388,000 | 12,810,000 | 13,181,000 | 13,174,000 |
| Risk-weighted assets | 38,014,000 | 39,069,000 | 38,246,000 | 40,417,000 |
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