Call reports 2003
BANK OF GRAVETTE — 2003
What BANK OF GRAVETTE 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 | 180,020,000 | 185,379,000 | 196,250,000 | 218,771,000 |
| Total loans | 111,868,000 | 112,550,000 | 116,049,000 | 120,177,000 |
| Allowance for loan losses | 1,282,000 | 1,380,000 | 1,389,000 | 2,246,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 47,706,000 | 44,232,000 | 53,020,000 | 79,760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,798,000 | 164,750,000 | 174,919,000 | 197,469,000 |
| Interest-bearing deposits | 152,339,000 | 156,234,000 | 165,099,000 | 188,238,000 |
| Noninterest-bearing deposits | 7,459,000 | 8,516,000 | 9,820,000 | 9,231,000 |
| Equity capital | 19,925,000 | 20,343,000 | 21,036,000 | 20,355,000 |
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 | 2,596,000 | 5,191,000 | 7,826,000 | 10,650,000 |
| Interest expense | 1,125,000 | 2,172,000 | 3,236,000 | 4,406,000 |
| Net interest income | 1,471,000 | 3,019,000 | 4,590,000 | 6,244,000 |
| Noninterest income | 313,000 | 571,000 | 827,000 | 1,142,000 |
| Noninterest expense | 741,000 | 1,598,000 | 2,440,000 | 3,753,000 |
| Provision for loan losses | 59,000 | 139,000 | 235,000 | 1,347,000 |
| Pretax income | 984,000 | 1,853,000 | 2,746,000 | 2,290,000 |
| Income tax | 0 | 0 | 0 | 25,000 |
| Net income | 984,000 | 1,853,000 | 2,746,000 | 2,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,925,000 | 20,343,000 | 21,036,000 | 20,355,000 |
| Total capital | 21,207,000 | 21,723,000 | 22,425,000 | 21,955,000 |
| Risk-weighted assets | 113,719,000 | 115,686,000 | 119,921,000 | 127,388,000 |
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