Call reports 2003
BENTON COUNTY STATE BANK — 2003
What BENTON COUNTY 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 | 34,324,000 | 34,825,000 | 34,463,000 | 35,119,000 |
| Total loans | 23,268,000 | 23,167,000 | 23,549,000 | 22,428,000 |
| Allowance for loan losses | 247,000 | 247,000 | 246,000 | 247,000 |
| Securities available for sale | 7,397,000 | 6,956,000 | 7,941,000 | 8,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,463,000 | 22,910,000 | 22,509,000 | 23,637,000 |
| Interest-bearing deposits | 18,345,000 | 18,925,000 | 18,796,000 | 18,881,000 |
| Noninterest-bearing deposits | 4,118,000 | 3,985,000 | 3,713,000 | 4,756,000 |
| Equity capital | 4,820,000 | 4,791,000 | 4,853,000 | 4,791,000 |
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 | 531,000 | 1,068,000 | 1,615,000 | 2,143,000 |
| Interest expense | 197,000 | 386,000 | 587,000 | 774,000 |
| Net interest income | 334,000 | 682,000 | 1,028,000 | 1,369,000 |
| Noninterest income | 31,000 | 57,000 | 93,000 | 123,000 |
| Noninterest expense | 195,000 | 368,000 | 596,000 | 837,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 170,000 | 371,000 | 525,000 | 655,000 |
| Income tax | 52,000 | 116,000 | 160,000 | 198,000 |
| Net income | 118,000 | 255,000 | 365,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,633,000 | 4,529,000 | 4,641,000 | 4,581,000 |
| Total capital | 4,880,000 | 4,776,000 | 4,887,000 | 4,828,000 |
| Risk-weighted assets | 23,333,000 | 23,056,000 | 23,424,000 | 22,718,000 |
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