Call reports 2003
INTERCITY STATE BANK — 2003
What INTERCITY 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 | 120,487,000 | 130,096,000 | 115,877,000 | 118,057,000 |
| Total loans | 85,820,000 | 83,972,000 | 81,360,000 | 80,982,000 |
| Allowance for loan losses | 1,089,000 | 1,094,000 | 1,095,000 | 1,097,000 |
| Securities available for sale | 1,912,000 | 2,604,000 | 3,275,000 | 4,327,000 |
| Securities held to maturity | 11,784,000 | 11,121,000 | 11,194,000 | 10,381,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,557,000 | 110,505,000 | 97,999,000 | 99,960,000 |
| Interest-bearing deposits | 81,801,000 | 84,239,000 | 83,626,000 | 84,982,000 |
| Noninterest-bearing deposits | 19,756,000 | 26,266,000 | 14,373,000 | 14,978,000 |
| Equity capital | 15,723,000 | 16,253,000 | 16,754,000 | 17,080,000 |
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 | 1,606,000 | 3,182,000 | 4,713,000 | 6,023,000 |
| Interest expense | 542,000 | 1,065,000 | 1,548,000 | 1,980,000 |
| Net interest income | 1,064,000 | 2,117,000 | 3,165,000 | 4,043,000 |
| Noninterest income | 255,000 | 558,000 | 760,000 | 896,000 |
| Noninterest expense | 467,000 | 921,000 | 1,374,000 | 1,858,000 |
| Provision for loan losses | 0 | 22,000 | 22,000 | 41,000 |
| Pretax income | 852,000 | 1,732,000 | 2,529,000 | 3,040,000 |
| Income tax | 303,000 | 657,000 | 944,000 | 1,121,000 |
| Net income | 549,000 | 1,075,000 | 1,585,000 | 1,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,678,000 | 16,204,000 | 16,714,000 | 17,048,000 |
| Total capital | 16,695,000 | 17,245,000 | 17,809,000 | 18,145,000 |
| Risk-weighted assets | 81,254,000 | 83,231,000 | 99,568,000 | 102,381,000 |
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