Call reports 2003
PAVILLION BANK — 2003
What PAVILLION 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 | 58,925,000 | 58,646,000 | 53,359,000 | 50,899,000 |
| Total loans | 29,012,000 | 27,976,000 | 27,239,000 | 24,043,000 |
| Allowance for loan losses | 534,000 | 532,000 | 532,000 | 526,000 |
| Securities available for sale | 3,179,000 | 3,196,000 | 2,191,000 | 1,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,709,000 | 53,445,000 | 48,196,000 | 45,818,000 |
| Interest-bearing deposits | 24,264,000 | 20,984,000 | 23,467,000 | 22,604,000 |
| Noninterest-bearing deposits | 29,445,000 | 32,461,000 | 24,729,000 | 23,214,000 |
| Equity capital | 5,148,000 | 5,158,000 | 5,114,000 | 5,042,000 |
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 | 504,000 | 993,000 | 1,487,000 | 1,949,000 |
| Interest expense | 80,000 | 146,000 | 196,000 | 238,000 |
| Net interest income | 424,000 | 847,000 | 1,291,000 | 1,711,000 |
| Noninterest income | 73,000 | 124,000 | 155,000 | 194,000 |
| Noninterest expense | 460,000 | 910,000 | 1,370,000 | 1,869,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 37,000 | 61,000 | 76,000 | 36,000 |
| Income tax | 5,000 | 6,000 | 11,000 | -6,000 |
| Net income | 32,000 | 55,000 | 65,000 | 42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,141,000 | 5,139,000 | 5,099,000 | 5,026,000 |
| Total capital | 5,565,000 | 5,561,000 | 5,509,000 | 5,391,000 |
| Risk-weighted assets | 33,828,000 | 33,660,000 | 32,647,000 | 28,975,000 |
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