Call reports 2003
FREEPORT STATE BANK — 2003
What FREEPORT STATE 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 | 55,446,000 | 56,147,000 | 56,340,000 | 57,300,000 |
| Total loans | 42,393,000 | 42,009,000 | 41,832,000 | 41,222,000 |
| Allowance for loan losses | 403,000 | 404,000 | 405,000 | 408,000 |
| Securities available for sale | 46,000 | 40,000 | 35,000 | 31,000 |
| Securities held to maturity | 7,083,000 | 7,232,000 | 8,353,000 | 9,275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,619,000 | 51,314,000 | 51,414,000 | 52,298,000 |
| Interest-bearing deposits | 46,430,000 | 46,023,000 | 46,237,000 | 47,202,000 |
| Noninterest-bearing deposits | 4,189,000 | 5,291,000 | 5,177,000 | 5,096,000 |
| Equity capital | 4,310,000 | 4,417,000 | 4,453,000 | 4,649,000 |
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 | 922,000 | 1,843,000 | 2,693,000 | 3,690,000 |
| Interest expense | 292,000 | 556,000 | 792,000 | 1,010,000 |
| Net interest income | 630,000 | 1,287,000 | 1,901,000 | 2,680,000 |
| Noninterest income | 39,000 | 95,000 | 141,000 | 172,000 |
| Noninterest expense | 477,000 | 974,000 | 1,460,000 | 1,965,000 |
| Provision for loan losses | 15,000 | 73,000 | 212,000 | 210,000 |
| Pretax income | 177,000 | 335,000 | 370,000 | 677,000 |
| Income tax | 60,000 | 111,000 | 110,000 | 220,000 |
| Net income | 117,000 | 224,000 | 260,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,308,000 | 4,415,000 | 4,451,000 | 4,647,000 |
| Total capital | 4,711,000 | 4,819,000 | 4,856,000 | 5,055,000 |
| Risk-weighted assets | 43,139,000 | 43,146,000 | 43,406,000 | 42,892,000 |
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