Call reports 2003
AREA BANK — 2003
What AREA 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 | 36,060,000 | 35,939,000 | 36,545,000 | 36,712,000 |
| Total loans | 9,198,000 | 9,527,000 | 10,498,000 | 10,635,000 |
| Allowance for loan losses | 396,000 | 408,000 | 409,000 | 397,000 |
| Securities available for sale | 24,660,000 | 24,179,000 | 22,790,000 | 22,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,933,000 | 30,130,000 | 30,440,000 | 31,367,000 |
| Interest-bearing deposits | 26,578,000 | 26,730,000 | 27,059,000 | 27,656,000 |
| Noninterest-bearing deposits | 3,355,000 | 3,400,000 | 3,381,000 | 3,711,000 |
| Equity capital | 4,400,000 | 4,520,000 | 4,287,000 | 4,269,000 |
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 | 440,000 | 861,000 | 1,269,000 | 1,668,000 |
| Interest expense | 186,000 | 361,000 | 526,000 | 687,000 |
| Net interest income | 254,000 | 500,000 | 743,000 | 981,000 |
| Noninterest income | 38,000 | 75,000 | 107,000 | 139,000 |
| Noninterest expense | 176,000 | 371,000 | 559,000 | 765,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 109,000 | 187,000 | 274,000 | 338,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 109,000 | 187,000 | 274,000 | 338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,116,000 | 4,134,000 | 4,160,000 | 4,104,000 |
| Total capital | 4,275,000 | 4,307,000 | 4,351,000 | 4,300,000 |
| Risk-weighted assets | 12,550,000 | 13,573,000 | 15,023,000 | 15,482,000 |
Machine access — free, no API key
Every figure shown here about AREA BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.