Call reports 2003
BANK OF DELIGHT — 2003
What BANK OF DELIGHT 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 | 76,680,000 | 75,779,000 | 75,874,000 | 75,290,000 |
| Total loans | 42,157,000 | 42,893,000 | 42,823,000 | 42,667,000 |
| Allowance for loan losses | 577,000 | 568,000 | 569,000 | 587,000 |
| Securities available for sale | 223,000 | 219,000 | 16,000 | 15,000 |
| Securities held to maturity | 24,665,000 | 24,416,000 | 23,793,000 | 23,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,821,000 | 62,620,000 | 62,478,000 | 61,589,000 |
| Interest-bearing deposits | 59,134,000 | 53,247,000 | 57,107,000 | 56,922,000 |
| Noninterest-bearing deposits | 4,687,000 | 9,373,000 | 5,371,000 | 4,667,000 |
| Equity capital | 12,644,000 | 12,888,000 | 13,141,000 | 13,459,000 |
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 | 958,000 | 1,916,000 | 2,842,000 | 3,753,000 |
| Interest expense | 325,000 | 632,000 | 896,000 | 1,133,000 |
| Net interest income | 633,000 | 1,284,000 | 1,946,000 | 2,620,000 |
| Noninterest income | 20,000 | 50,000 | 66,000 | 95,000 |
| Noninterest expense | 339,000 | 689,000 | 1,085,000 | 1,380,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 312,000 | 643,000 | 924,000 | 1,332,000 |
| Income tax | 88,000 | 173,000 | 203,000 | 292,000 |
| Net income | 224,000 | 470,000 | 721,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,562,000 | 12,815,000 | 13,077,000 | 13,403,000 |
| Total capital | 13,113,000 | 13,383,000 | 13,646,000 | 13,975,000 |
| Risk-weighted assets | 44,081,000 | 46,135,000 | 45,828,000 | 45,711,000 |