Call reports 2003
SALT CREEK VALLEY BANK, THE — 2003
What SALT CREEK VALLEY 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 | 35,088,000 | 35,259,000 | 35,676,000 | 34,097,000 |
| Total loans | 17,474,000 | 17,695,000 | 17,419,000 | 17,126,000 |
| Allowance for loan losses | 227,000 | 235,000 | 234,000 | 225,000 |
| Securities available for sale | 13,951,000 | 13,512,000 | 13,715,000 | 13,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,466,000 | 30,639,000 | 31,106,000 | 29,588,000 |
| Interest-bearing deposits | 26,694,000 | 27,088,000 | 27,044,000 | 25,135,000 |
| Noninterest-bearing deposits | 3,772,000 | 3,551,000 | 4,062,000 | 4,453,000 |
| Equity capital | 4,438,000 | 4,432,000 | 4,423,000 | 4,392,000 |
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 | 468,000 | 934,000 | 1,395,000 | 1,841,000 |
| Interest expense | 140,000 | 269,000 | 376,000 | 464,000 |
| Net interest income | 328,000 | 665,000 | 1,019,000 | 1,377,000 |
| Noninterest income | 50,000 | 110,000 | 162,000 | 215,000 |
| Noninterest expense | 287,000 | 570,000 | 865,000 | 1,165,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 91,000 | 226,000 | 369,000 | 480,000 |
| Income tax | 28,000 | 73,000 | 118,000 | 151,000 |
| Net income | 63,000 | 153,000 | 251,000 | 329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,218,000 | 4,218,000 | 4,316,000 | 4,304,000 |
| Total capital | 4,433,000 | 4,433,000 | 4,532,000 | 4,515,000 |
| Risk-weighted assets | 17,168,000 | 17,149,000 | 17,245,000 | 16,902,000 |
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