Call reports 2003
DUPONT STATE BANK — 2003
What DUPONT 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 | 21,764,000 | 22,649,000 | 25,253,000 | 24,349,000 |
| Total loans | 14,612,000 | 14,763,000 | 15,367,000 | 16,185,000 |
| Allowance for loan losses | 243,000 | 249,000 | 253,000 | 242,000 |
| Securities available for sale | 2,851,000 | 2,682,000 | 3,075,000 | 4,140,000 |
| Securities held to maturity | 285,000 | 286,000 | 286,000 | 286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,968,000 | 18,784,000 | 21,373,000 | 20,464,000 |
| Interest-bearing deposits | 15,520,000 | 16,311,000 | 18,426,000 | 17,271,000 |
| Noninterest-bearing deposits | 2,448,000 | 2,472,000 | 2,947,000 | 3,193,000 |
| Equity capital | 3,232,000 | 3,280,000 | 3,295,000 | 3,294,000 |
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 | 343,000 | 677,000 | 1,002,000 | 1,370,000 |
| Interest expense | 106,000 | 209,000 | 317,000 | 419,000 |
| Net interest income | 237,000 | 468,000 | 685,000 | 951,000 |
| Noninterest income | 29,000 | 64,000 | 121,000 | 161,000 |
| Noninterest expense | 207,000 | 428,000 | 656,000 | 918,000 |
| Provision for loan losses | 15,000 | 26,000 | 29,000 | 52,000 |
| Pretax income | 44,000 | 78,000 | 121,000 | 142,000 |
| Income tax | 13,000 | 22,000 | 33,000 | 40,000 |
| Net income | 31,000 | 56,000 | 88,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,373,000 | 2,398,000 | 2,428,000 | 2,444,000 |
| Total capital | 2,529,000 | 2,558,000 | 2,600,000 | 2,615,000 |
| Risk-weighted assets | 12,401,000 | 12,674,000 | 13,666,000 | 13,607,000 |