Call reports 2003
STATE BANK OF CHILTON — 2003
What STATE BANK OF CHILTON 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 | 97,445,000 | 98,850,000 | 97,013,000 | 99,629,000 |
| Total loans | 72,797,000 | 72,735,000 | 74,478,000 | 76,186,000 |
| Allowance for loan losses | 1,172,000 | 1,186,000 | 1,193,000 | 1,088,000 |
| Securities available for sale | 17,050,000 | 14,410,000 | 16,077,000 | 15,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,399,000 | 78,344,000 | 76,686,000 | 79,154,000 |
| Interest-bearing deposits | 64,811,000 | 65,077,000 | 64,876,000 | 65,505,000 |
| Noninterest-bearing deposits | 12,588,000 | 13,267,000 | 11,810,000 | 13,649,000 |
| Equity capital | 19,552,000 | 19,801,000 | 19,899,000 | 20,040,000 |
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 | 1,327,000 | 2,604,000 | 3,830,000 | 5,119,000 |
| Interest expense | 309,000 | 607,000 | 879,000 | 1,125,000 |
| Net interest income | 1,018,000 | 1,997,000 | 2,951,000 | 3,994,000 |
| Noninterest income | 78,000 | 161,000 | 237,000 | 375,000 |
| Noninterest expense | 664,000 | 1,341,000 | 1,941,000 | 2,762,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 417,000 | 787,000 | 1,223,000 | 1,574,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 417,000 | 787,000 | 1,223,000 | 1,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,987,000 | 19,111,000 | 19,319,000 | 19,462,000 |
| Total capital | 19,892,000 | 20,023,000 | 20,249,000 | 20,414,000 |
| Risk-weighted assets | 72,142,000 | 72,655,000 | 74,150,000 | 75,985,000 |