Call reports 2003
ERGO BANK — 2003
What ERGO 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 | 83,626,000 | 85,262,000 | 84,961,000 | 84,342,000 |
| Total loans | 43,602,000 | 44,039,000 | 45,114,000 | 43,575,000 |
| Allowance for loan losses | 733,000 | 750,000 | 733,000 | 702,000 |
| Securities available for sale | 30,023,000 | 31,017,000 | 31,360,000 | 30,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,437,000 | 64,397,000 | 64,469,000 | 65,697,000 |
| Interest-bearing deposits | 56,056,000 | 56,452,000 | 56,983,000 | 58,403,000 |
| Noninterest-bearing deposits | 7,381,000 | 7,945,000 | 7,485,000 | 7,294,000 |
| Equity capital | 12,698,000 | 12,600,000 | 12,528,000 | 10,774,000 |
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 | 1,188,000 | 2,382,000 | 3,561,000 | 4,755,000 |
| Interest expense | 512,000 | 978,000 | 1,409,000 | 1,825,000 |
| Net interest income | 676,000 | 1,404,000 | 2,152,000 | 2,930,000 |
| Noninterest income | 103,000 | 192,000 | 296,000 | 390,000 |
| Noninterest expense | 581,000 | 1,151,000 | 1,724,000 | 2,267,000 |
| Provision for loan losses | 14,000 | 27,000 | 15,000 | 0 |
| Pretax income | 184,000 | 418,000 | 709,000 | 1,053,000 |
| Income tax | 4,000 | 33,000 | 94,000 | 169,000 |
| Net income | 180,000 | 385,000 | 615,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,182,000 | 11,955,000 | 12,112,000 | 10,396,000 |
| Total capital | 12,800,000 | 12,578,000 | 12,748,000 | 11,011,000 |
| Risk-weighted assets | 49,346,000 | 49,758,000 | 50,696,000 | 48,891,000 |
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