Call reports 2003
ANDALUSIA COMMUNITY BANK — 2003
What ANDALUSIA COMMUNITY 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 | 21,893,000 | 23,137,000 | 22,008,000 | 22,308,000 |
| Total loans | 9,785,000 | 9,963,000 | 11,261,000 | 12,210,000 |
| Allowance for loan losses | 111,000 | 112,000 | 113,000 | 128,000 |
| Securities available for sale | 5,807,000 | 5,599,000 | 4,980,000 | 4,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,100,000 | 18,772,000 | 17,891,000 | 18,353,000 |
| Interest-bearing deposits | 16,183,000 | 16,201,000 | 15,822,000 | 15,667,000 |
| Noninterest-bearing deposits | 1,917,000 | 2,571,000 | 2,069,000 | 2,686,000 |
| Equity capital | 3,482,000 | 3,581,000 | 3,652,000 | 3,709,000 |
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 | 314,000 | 627,000 | 935,000 | 1,265,000 |
| Interest expense | 96,000 | 191,000 | 277,000 | 359,000 |
| Net interest income | 218,000 | 436,000 | 658,000 | 906,000 |
| Noninterest income | 58,000 | 145,000 | 253,000 | 275,000 |
| Noninterest expense | 159,000 | 317,000 | 474,000 | 640,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 117,000 | 264,000 | 437,000 | 521,000 |
| Income tax | 32,000 | 77,000 | 133,000 | 151,000 |
| Net income | 85,000 | 187,000 | 304,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,301,000 | 3,403,000 | 3,521,000 | 3,587,000 |
| Total capital | 3,412,000 | 3,515,000 | 3,634,000 | 3,715,000 |
| Risk-weighted assets | 10,693,000 | 11,134,000 | 11,751,000 | 12,429,000 |