Call reports 2003
FAIRMOUNT STATE BANK, THE — 2003
What FAIRMOUNT STATE BANK, THE 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 | 34,048,000 | 33,238,000 | 32,844,000 | 34,094,000 |
| Total loans | 18,643,000 | 19,527,000 | 20,021,000 | 19,364,000 |
| Allowance for loan losses | 342,000 | 335,000 | 344,000 | 339,000 |
| Securities available for sale | 6,957,000 | 6,157,000 | 5,310,000 | 4,719,000 |
| Securities held to maturity | 272,000 | 248,000 | 222,000 | 208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,896,000 | 27,979,000 | 27,556,000 | 28,898,000 |
| Interest-bearing deposits | 21,387,000 | 20,505,000 | 20,545,000 | 20,070,000 |
| Noninterest-bearing deposits | 7,509,000 | 7,474,000 | 7,011,000 | 8,828,000 |
| Equity capital | 4,818,000 | 4,904,000 | 4,933,000 | 4,906,000 |
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 | 463,000 | 924,000 | 1,383,000 | 1,831,000 |
| Interest expense | 150,000 | 282,000 | 406,000 | 521,000 |
| Net interest income | 313,000 | 642,000 | 977,000 | 1,310,000 |
| Noninterest income | 32,000 | 64,000 | 96,000 | 173,000 |
| Noninterest expense | 232,000 | 469,000 | 727,000 | 1,015,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 98,000 | 207,000 | 301,000 | 408,000 |
| Income tax | 30,000 | 61,000 | 87,000 | 101,000 |
| Net income | 68,000 | 146,000 | 214,000 | 307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,685,000 | 4,762,000 | 4,830,000 | 4,824,000 |
| Total capital | 4,946,000 | 5,032,000 | 5,104,000 | 5,095,000 |
| Risk-weighted assets | 20,777,000 | 21,576,000 | 21,883,000 | 21,585,000 |