Call reports 2003
BANK OF WARRENSBURG — 2003
What BANK OF WARRENSBURG 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 | 8,996,000 | 9,075,000 | 8,771,000 | 9,314,000 |
| Total loans | 6,843,000 | 6,729,000 | 6,829,000 | 6,645,000 |
| Allowance for loan losses | 79,000 | 82,000 | 82,000 | 78,000 |
| Securities available for sale | 1,070,000 | 877,000 | 834,000 | 917,000 |
| Securities held to maturity | 143,000 | 143,000 | 142,000 | 91,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,621,000 | 7,690,000 | 7,354,000 | 7,941,000 |
| Interest-bearing deposits | 6,344,000 | 6,416,000 | 6,235,000 | 6,248,000 |
| Noninterest-bearing deposits | 1,277,000 | 1,274,000 | 1,119,000 | 1,693,000 |
| Equity capital | 1,317,000 | 1,333,000 | 1,362,000 | 1,326,000 |
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 | 162,000 | 322,000 | 475,000 | 613,000 |
| Interest expense | 38,000 | 72,000 | 102,000 | 130,000 |
| Net interest income | 124,000 | 250,000 | 373,000 | 483,000 |
| Noninterest income | 17,000 | 34,000 | 48,000 | 64,000 |
| Noninterest expense | 87,000 | 175,000 | 264,000 | 390,000 |
| Provision for loan losses | 8,000 | 10,000 | 10,000 | 11,000 |
| Pretax income | 46,000 | 99,000 | 147,000 | 146,000 |
| Income tax | 11,000 | 25,000 | 37,000 | 27,000 |
| Net income | 35,000 | 74,000 | 110,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,317,000 | 1,309,000 | 1,345,000 | 1,310,000 |
| Total capital | 1,388,000 | 1,381,000 | 1,416,000 | 1,381,000 |
| Risk-weighted assets | 5,645,000 | 5,744,000 | 5,694,000 | 5,648,000 |