Call reports 2003
STATE BANK OF BEMENT — 2003
What STATE BANK OF BEMENT 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 | 50,329,000 | 49,544,000 | 49,685,000 | 53,764,000 |
| Total loans | 30,664,000 | 30,987,000 | 31,963,000 | 32,178,000 |
| Allowance for loan losses | 414,000 | 433,000 | 416,000 | 429,000 |
| Securities available for sale | 3,241,000 | 3,154,000 | 3,521,000 | 2,710,000 |
| Securities held to maturity | 9,988,000 | 8,478,000 | 8,120,000 | 7,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,303,000 | 42,373,000 | 42,402,000 | 46,533,000 |
| Interest-bearing deposits | 39,400,000 | 38,278,000 | 38,771,000 | 41,801,000 |
| Noninterest-bearing deposits | 3,903,000 | 4,095,000 | 3,631,000 | 4,732,000 |
| Equity capital | 6,798,000 | 6,937,000 | 7,025,000 | 7,082,000 |
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 | 710,000 | 1,388,000 | 2,050,000 | 2,695,000 |
| Interest expense | 224,000 | 416,000 | 588,000 | 742,000 |
| Net interest income | 486,000 | 972,000 | 1,462,000 | 1,953,000 |
| Noninterest income | 107,000 | 225,000 | 323,000 | 472,000 |
| Noninterest expense | 399,000 | 809,000 | 1,221,000 | 1,664,000 |
| Provision for loan losses | 6,000 | 25,000 | 57,000 | 66,000 |
| Pretax income | 188,000 | 363,000 | 507,000 | 695,000 |
| Income tax | 54,000 | 103,000 | 139,000 | 190,000 |
| Net income | 134,000 | 260,000 | 368,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,798,000 | 6,916,000 | 7,024,000 | 7,086,000 |
| Total capital | 7,212,000 | 7,349,000 | 7,440,000 | 7,515,000 |
| Risk-weighted assets | 34,210,000 | 35,574,000 | 34,873,000 | 35,741,000 |