Call reports 2003
TIMBERWOOD BANK — 2003
What TIMBERWOOD 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 | 14,833,000 | 13,925,000 | 14,082,000 | 31,924,000 |
| Total loans | 7,742,000 | 7,113,000 | 6,870,000 | 16,499,000 |
| Allowance for loan losses | 63,000 | 65,000 | 58,000 | 218,000 |
| Securities available for sale | 589,000 | 1,078,000 | 1,047,000 | 3,969,000 |
| Securities held to maturity | 3,812,000 | 2,685,000 | 3,450,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,372,000 | 12,481,000 | 12,713,000 | 27,121,000 |
| Interest-bearing deposits | 11,506,000 | 10,206,000 | 10,176,000 | 22,940,000 |
| Noninterest-bearing deposits | 1,866,000 | 2,275,000 | 2,537,000 | 4,181,000 |
| Equity capital | 1,386,000 | 1,387,000 | 1,326,000 | 4,550,000 |
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 | 223,000 | 420,000 | 632,000 | 163,000 |
| Interest expense | 61,000 | 118,000 | 167,000 | 55,000 |
| Net interest income | 162,000 | 302,000 | 465,000 | 108,000 |
| Noninterest income | 13,000 | 54,000 | 67,000 | 41,000 |
| Noninterest expense | 146,000 | 307,000 | 488,000 | 433,000 |
| Provision for loan losses | 1,000 | 3,000 | 5,000 | 129,000 |
| Pretax income | 31,000 | 60,000 | 43,000 | -413,000 |
| Income tax | 7,000 | 12,000 | 13,000 | 0 |
| Net income | 24,000 | 48,000 | 30,000 | -413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,373,000 | 1,377,000 | 1,329,000 | 2,644,000 |
| Total capital | 1,436,000 | 1,442,000 | 1,387,000 | 2,862,000 |
| Risk-weighted assets | 7,850,000 | 7,309,000 | 7,228,000 | 19,220,000 |