Call reports 2003
BANK OF LABOR — 2003
What BANK OF LABOR 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 | 416,540,000 | 401,894,000 | 415,744,000 | 420,077,000 |
| Total loans | 161,830,000 | 156,936,000 | 134,281,000 | 134,863,000 |
| Allowance for loan losses | 5,840,000 | 6,533,000 | 6,116,000 | 5,838,000 |
| Securities available for sale | 207,130,000 | 212,899,000 | 241,386,000 | 259,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,020,000 | 303,587,000 | 322,942,000 | 326,199,000 |
| Interest-bearing deposits | 260,246,000 | 254,867,000 | 274,482,000 | 278,569,000 |
| Noninterest-bearing deposits | 59,774,000 | 48,720,000 | 48,460,000 | 47,630,000 |
| Equity capital | 39,571,000 | 40,482,000 | 39,560,000 | 40,006,000 |
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 | 4,705,000 | 9,180,000 | 13,385,000 | 18,130,000 |
| Interest expense | 1,510,000 | 2,969,000 | 4,384,000 | 5,754,000 |
| Net interest income | 3,195,000 | 6,211,000 | 9,001,000 | 12,376,000 |
| Noninterest income | 1,356,000 | 2,628,000 | 4,407,000 | 5,821,000 |
| Noninterest expense | 3,306,000 | 6,647,000 | 10,023,000 | 13,938,000 |
| Provision for loan losses | 225,000 | 950,000 | 1,250,000 | 1,250,000 |
| Pretax income | 1,781,000 | 2,445,000 | 3,569,000 | 4,525,000 |
| Income tax | 504,000 | 619,000 | 866,000 | 1,033,000 |
| Net income | 1,277,000 | 1,826,000 | 2,703,000 | 3,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,068,000 | 32,520,000 | 33,301,000 | 33,992,000 |
| Total capital | 34,717,000 | 35,083,000 | 35,745,000 | 36,458,000 |
| Risk-weighted assets | 208,753,000 | 201,348,000 | 191,902,000 | 193,984,000 |
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