Call reports 2003
BANCROFT STATE BANK — 2003
What BANCROFT 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 | 52,222,000 | 54,099,000 | 54,877,000 | 57,693,000 |
| Total loans | 34,039,000 | 36,096,000 | 36,704,000 | 36,782,000 |
| Allowance for loan losses | 602,000 | 622,000 | 630,000 | 622,000 |
| Securities available for sale | 8,589,000 | 8,953,000 | 10,798,000 | 11,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,928,000 | 49,529,000 | 50,627,000 | 53,013,000 |
| Interest-bearing deposits | 41,970,000 | 43,035,000 | 43,661,000 | 45,343,000 |
| Noninterest-bearing deposits | 5,958,000 | 6,494,000 | 6,966,000 | 7,670,000 |
| Equity capital | 4,069,000 | 4,231,000 | 4,037,000 | 4,358,000 |
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 | 789,000 | 1,622,000 | 2,481,000 | 3,417,000 |
| Interest expense | 355,000 | 701,000 | 1,037,000 | 1,355,000 |
| Net interest income | 434,000 | 921,000 | 1,444,000 | 2,062,000 |
| Noninterest income | 37,000 | 92,000 | 129,000 | 164,000 |
| Noninterest expense | 343,000 | 694,000 | 1,011,000 | 1,414,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 75,000 |
| Pretax income | 115,000 | 290,000 | 518,000 | 739,000 |
| Income tax | 4,000 | 6,000 | 8,000 | 10,000 |
| Net income | 111,000 | 284,000 | 510,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,762,000 | 3,810,000 | 4,036,000 | 4,130,000 |
| Total capital | 4,279,000 | 4,249,000 | 4,486,000 | 4,587,000 |
| Risk-weighted assets | 41,303,000 | 34,920,000 | 35,864,000 | 36,384,000 |
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