Call reports 2003
INEZ DEPOSIT BANK — 2003
What INEZ DEPOSIT 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 | 93,080,000 | 95,957,000 | 92,050,000 | 96,948,000 |
| Total loans | 38,065,000 | 39,480,000 | 40,017,000 | 40,709,000 |
| Allowance for loan losses | 649,000 | 649,000 | 634,000 | 639,000 |
| Securities available for sale | 33,802,000 | 37,586,000 | 38,877,000 | 38,066,000 |
| Securities held to maturity | 2,300,000 | 1,852,000 | 1,631,000 | 1,306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,901,000 | 82,445,000 | 79,907,000 | 84,842,000 |
| Interest-bearing deposits | 66,821,000 | 68,290,000 | 66,836,000 | 67,999,000 |
| Noninterest-bearing deposits | 14,080,000 | 14,155,000 | 13,071,000 | 16,843,000 |
| Equity capital | 10,132,000 | 10,887,000 | 10,228,000 | 10,241,000 |
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 | 1,322,000 | 2,603,000 | 3,883,000 | 5,137,000 |
| Interest expense | 509,000 | 1,001,000 | 1,459,000 | 1,900,000 |
| Net interest income | 813,000 | 1,602,000 | 2,424,000 | 3,237,000 |
| Noninterest income | 260,000 | 505,000 | 700,000 | 961,000 |
| Noninterest expense | 745,000 | 1,510,000 | 2,287,000 | 3,137,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 306,000 | 562,000 | 787,000 | 1,059,000 |
| Income tax | 64,000 | 130,000 | 165,000 | 232,000 |
| Net income | 242,000 | 432,000 | 622,000 | 827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,774,000 | 8,966,000 | 9,009,000 | 9,064,000 |
| Total capital | 9,328,000 | 9,528,000 | 9,576,000 | 9,642,000 |
| Risk-weighted assets | 44,244,000 | 44,914,000 | 45,267,000 | 46,172,000 |
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