Call reports 2003
THREAD BANK — 2003
What THREAD BANK 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 | 113,832,000 | 113,299,000 | 110,888,000 | 108,568,000 |
| Total loans | 69,845,000 | 68,010,000 | 69,176,000 | 69,631,000 |
| Allowance for loan losses | 1,089,000 | 953,000 | 845,000 | 912,000 |
| Securities available for sale | 27,343,000 | 30,920,000 | 29,559,000 | 27,076,000 |
| Securities held to maturity | 941,000 | 718,000 | 362,000 | 710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,115,000 | 102,923,000 | 100,294,000 | 96,750,000 |
| Interest-bearing deposits | 89,677,000 | 88,153,000 | 85,682,000 | 83,505,000 |
| Noninterest-bearing deposits | 13,438,000 | 14,770,000 | 14,612,000 | 13,245,000 |
| Equity capital | 8,135,000 | 8,287,000 | 8,337,000 | 8,565,000 |
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 | 1,557,000 | 3,089,000 | 4,587,000 | 6,090,000 |
| Interest expense | 456,000 | 885,000 | 1,274,000 | 1,634,000 |
| Net interest income | 1,101,000 | 2,204,000 | 3,313,000 | 4,456,000 |
| Noninterest income | 134,000 | 325,000 | 482,000 | 580,000 |
| Noninterest expense | 999,000 | 1,981,000 | 2,897,000 | 3,809,000 |
| Provision for loan losses | 100,000 | 390,000 | 390,000 | 465,000 |
| Pretax income | 242,000 | 264,000 | 614,000 | 868,000 |
| Income tax | 71,000 | 51,000 | 156,000 | 215,000 |
| Net income | 171,000 | 213,000 | 458,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,890,000 | 7,920,000 | 8,153,000 | 8,348,000 |
| Total capital | 8,803,000 | 8,841,000 | 8,998,000 | 9,249,000 |
| Risk-weighted assets | 72,555,000 | 72,939,000 | 72,799,000 | 72,038,000 |