Call reports 2003
LOCAL BANK — 2003
What LOCAL 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 | 78,245,000 | 75,247,000 | 77,152,000 | 77,206,000 |
| Total loans | 50,860,000 | 52,569,000 | 54,007,000 | 53,882,000 |
| Allowance for loan losses | 363,000 | 391,000 | 416,000 | 488,000 |
| Securities available for sale | 17,553,000 | 15,320,000 | 15,673,000 | 15,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,057,000 | 66,661,000 | 68,699,000 | 68,439,000 |
| Interest-bearing deposits | 61,479,000 | 57,316,000 | 58,973,000 | 60,398,000 |
| Noninterest-bearing deposits | 8,578,000 | 9,345,000 | 9,726,000 | 8,041,000 |
| Equity capital | 5,568,000 | 5,661,000 | 5,708,000 | 5,645,000 |
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 | 1,242,000 | 2,503,000 | 3,736,000 | 4,972,000 |
| Interest expense | 325,000 | 654,000 | 961,000 | 1,257,000 |
| Net interest income | 917,000 | 1,849,000 | 2,775,000 | 3,715,000 |
| Noninterest income | 95,000 | 205,000 | 307,000 | 416,000 |
| Noninterest expense | 683,000 | 1,382,000 | 2,128,000 | 2,919,000 |
| Provision for loan losses | 53,000 | 133,000 | 183,000 | 258,000 |
| Pretax income | 276,000 | 539,000 | 774,000 | 957,000 |
| Income tax | 60,000 | 120,000 | 159,000 | 305,000 |
| Net income | 216,000 | 419,000 | 615,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,390,000 | 5,493,000 | 5,689,000 | 5,606,000 |
| Total capital | 5,753,000 | 5,884,000 | 6,105,000 | 6,094,000 |
| Risk-weighted assets | 48,207,000 | 48,857,000 | 50,784,000 | 50,909,000 |