Call reports 2003
BANK OF HOLLY SPRINGS, THE — 2003
What BANK OF HOLLY SPRINGS, 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 | 136,035,000 | 136,279,000 | 132,337,000 | 131,374,000 |
| Total loans | 90,876,000 | 94,664,000 | 93,571,000 | 91,199,000 |
| Allowance for loan losses | 1,220,000 | 1,285,000 | 1,321,000 | 1,144,000 |
| Securities available for sale | 5,119,000 | 5,960,000 | 8,349,000 | 9,821,000 |
| Securities held to maturity | 17,790,000 | 14,504,000 | 13,510,000 | 13,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,687,000 | 117,758,000 | 113,172,000 | 112,120,000 |
| Interest-bearing deposits | 105,369,000 | 106,272,000 | 101,577,000 | 100,297,000 |
| Noninterest-bearing deposits | 12,318,000 | 11,486,000 | 11,595,000 | 11,823,000 |
| Equity capital | 16,250,000 | 16,612,000 | 17,068,000 | 17,046,000 |
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 | 2,304,000 | 4,673,000 | 7,007,000 | 9,307,000 |
| Interest expense | 771,000 | 1,520,000 | 2,188,000 | 2,816,000 |
| Net interest income | 1,533,000 | 3,153,000 | 4,819,000 | 6,491,000 |
| Noninterest income | 217,000 | 265,000 | 501,000 | 670,000 |
| Noninterest expense | 1,159,000 | 2,303,000 | 3,404,000 | 4,701,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 320,000 |
| Pretax income | 561,000 | 1,055,000 | 1,826,000 | 2,140,000 |
| Income tax | 190,000 | 347,000 | 601,000 | 619,000 |
| Net income | 371,000 | 708,000 | 1,225,000 | 1,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,160,000 | 16,497,000 | 17,014,000 | 16,980,000 |
| Total capital | 17,282,000 | 17,649,000 | 18,152,000 | 18,100,000 |
| Risk-weighted assets | 89,661,000 | 91,947,000 | 90,860,000 | 89,586,000 |