Call reports 2003
HOLCOMB BANK — 2003
What HOLCOMB 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 | 85,980,000 | 88,782,000 | 85,893,000 | 91,874,000 |
| Total loans | 54,240,000 | 53,183,000 | 56,535,000 | 53,150,000 |
| Allowance for loan losses | 1,202,000 | 1,232,000 | 1,155,000 | 1,188,000 |
| Securities available for sale | 2,016,000 | 2,016,000 | 2,001,000 | 2,006,000 |
| Securities held to maturity | 18,360,000 | 18,616,000 | 19,200,000 | 18,897,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,829,000 | 79,446,000 | 76,355,000 | 82,426,000 |
| Interest-bearing deposits | 65,522,000 | 68,520,000 | 66,255,000 | 69,187,000 |
| Noninterest-bearing deposits | 11,307,000 | 10,926,000 | 10,100,000 | 13,239,000 |
| Equity capital | 8,496,000 | 8,706,000 | 8,898,000 | 8,854,000 |
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 | 1,214,000 | 2,457,000 | 3,633,000 | 4,816,000 |
| Interest expense | 350,000 | 687,000 | 1,006,000 | 1,303,000 |
| Net interest income | 864,000 | 1,770,000 | 2,627,000 | 3,513,000 |
| Noninterest income | 140,000 | 274,000 | 436,000 | 574,000 |
| Noninterest expense | 619,000 | 1,281,000 | 1,932,000 | 2,608,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 355,000 | 703,000 | 1,041,000 | 1,359,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 5,000 |
| Net income | 354,000 | 700,000 | 1,036,000 | 1,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,462,000 | 8,658,000 | 8,862,000 | 8,829,000 |
| Total capital | 9,213,000 | 9,417,000 | 9,650,000 | 9,608,000 |
| Risk-weighted assets | 59,642,000 | 60,239,000 | 62,696,000 | 61,643,000 |