Call reports 2003
SILVER FALLS BANK — 2003
What SILVER FALLS 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 | 44,244,000 | 47,360,000 | 48,245,000 | 51,398,000 |
| Total loans | 36,086,000 | 37,659,000 | 41,425,000 | 42,441,000 |
| Allowance for loan losses | 534,000 | 375,000 | 516,000 | 532,000 |
| Securities available for sale | 0 | 551,000 | 1,103,000 | 2,249,000 |
| Securities held to maturity | 1,416,000 | 915,000 | 913,000 | 750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,205,000 | 40,958,000 | 41,325,000 | 44,295,000 |
| Interest-bearing deposits | 36,055,000 | 38,275,000 | 38,603,000 | 41,431,000 |
| Noninterest-bearing deposits | 2,150,000 | 2,683,000 | 2,722,000 | 2,864,000 |
| Equity capital | 5,187,000 | 5,676,000 | 6,177,000 | 6,314,000 |
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 | 877,000 | 1,717,000 | 2,677,000 | 3,632,000 |
| Interest expense | 244,000 | 475,000 | 691,000 | 897,000 |
| Net interest income | 633,000 | 1,242,000 | 1,986,000 | 2,735,000 |
| Noninterest income | 18,000 | 38,000 | 54,000 | 76,000 |
| Noninterest expense | 264,000 | 508,000 | 826,000 | 1,241,000 |
| Provision for loan losses | 40,000 | 0 | 141,000 | 176,000 |
| Pretax income | 347,000 | 772,000 | 1,073,000 | 1,394,000 |
| Income tax | 144,000 | 110,000 | 0 | 272,000 |
| Net income | 203,000 | 662,000 | 1,073,000 | 1,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,187,000 | 5,561,000 | 6,177,000 | 6,277,000 |
| Total capital | 5,694,000 | 5,936,000 | 6,693,000 | 6,809,000 |
| Risk-weighted assets | 40,541,000 | 35,862,000 | 44,952,000 | 46,410,000 |