Call reports 2003
LENA STATE BANK — 2003
What LENA STATE 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 | 62,879,000 | 61,996,000 | 61,482,000 | 63,565,000 |
| Total loans | 31,115,000 | 30,200,000 | 32,541,000 | 34,598,000 |
| Allowance for loan losses | 624,000 | 634,000 | 630,000 | 635,000 |
| Securities available for sale | 25,307,000 | 26,959,000 | 22,764,000 | 20,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,674,000 | 54,835,000 | 54,503,000 | 56,529,000 |
| Interest-bearing deposits | 52,706,000 | 51,850,000 | 52,078,000 | 52,530,000 |
| Noninterest-bearing deposits | 2,968,000 | 2,985,000 | 2,425,000 | 3,998,000 |
| Equity capital | 6,463,000 | 6,525,000 | 6,310,000 | 6,410,000 |
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 | 853,000 | 1,668,000 | 2,438,000 | 3,233,000 |
| Interest expense | 355,000 | 689,000 | 1,005,000 | 1,309,000 |
| Net interest income | 498,000 | 979,000 | 1,433,000 | 1,924,000 |
| Noninterest income | 81,000 | 150,000 | 208,000 | 265,000 |
| Noninterest expense | 341,000 | 689,000 | 1,032,000 | 1,372,000 |
| Provision for loan losses | -700,000 | -700,000 | -700,000 | -700,000 |
| Pretax income | 938,000 | 1,140,000 | 1,309,000 | 1,517,000 |
| Income tax | 274,000 | 336,000 | 374,000 | 430,000 |
| Net income | 664,000 | 804,000 | 935,000 | 1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,142,000 | 6,207,000 | 6,262,000 | 6,339,000 |
| Total capital | 6,613,000 | 6,660,000 | 6,764,000 | 6,863,000 |
| Risk-weighted assets | 37,502,000 | 36,035,000 | 40,048,000 | 41,797,000 |