Call reports 2003
STATE CENTRAL BANK — 2003
What STATE CENTRAL 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 | 177,574,000 | 177,907,000 | 178,288,000 | 178,430,000 |
| Total loans | 120,264,000 | 115,438,000 | 111,820,000 | 110,694,000 |
| Allowance for loan losses | 2,830,000 | 2,824,000 | 2,574,000 | 2,551,000 |
| Securities available for sale | 19,695,000 | 24,343,000 | 29,572,000 | 35,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,680,000 | 138,386,000 | 139,893,000 | 139,564,000 |
| Interest-bearing deposits | 122,017,000 | 121,429,000 | 122,122,000 | 120,254,000 |
| Noninterest-bearing deposits | 17,663,000 | 16,957,000 | 17,771,000 | 19,310,000 |
| Equity capital | 26,314,000 | 26,754,000 | 26,961,000 | 27,065,000 |
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 | 2,352,000 | 4,637,000 | 6,900,000 | 9,017,000 |
| Interest expense | 754,000 | 1,416,000 | 1,982,000 | 2,535,000 |
| Net interest income | 1,598,000 | 3,221,000 | 4,918,000 | 6,482,000 |
| Noninterest income | 245,000 | 536,000 | 827,000 | 1,124,000 |
| Noninterest expense | 1,927,000 | 3,132,000 | 4,443,000 | 5,893,000 |
| Provision for loan losses | 0 | 0 | 800,000 | 800,000 |
| Pretax income | -84,000 | 623,000 | 500,000 | 911,000 |
| Income tax | -51,000 | 198,000 | 66,000 | 88,000 |
| Net income | -33,000 | 425,000 | 434,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,811,000 | 26,093,000 | 26,102,000 | 26,341,000 |
| Total capital | 27,412,000 | 27,662,000 | 27,653,000 | 27,909,000 |
| Risk-weighted assets | 126,836,000 | 124,233,000 | 123,075,000 | 124,434,000 |
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