Call reports 2003
MEDINA VALLEY STATE BANK — 2003
What MEDINA VALLEY 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 | 68,214,000 | 67,673,000 | 65,817,000 | 64,456,000 |
| Total loans | 22,306,000 | 22,585,000 | 22,816,000 | 22,851,000 |
| Allowance for loan losses | 617,000 | 638,000 | 624,000 | 606,000 |
| Securities available for sale | 28,978,000 | 28,049,000 | 26,945,000 | 28,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,186,000 | 59,362,000 | 57,984,000 | 56,774,000 |
| Interest-bearing deposits | 49,082,000 | 47,844,000 | 46,644,000 | 46,231,000 |
| Noninterest-bearing deposits | 11,104,000 | 11,518,000 | 11,340,000 | 10,543,000 |
| Equity capital | 7,636,000 | 7,871,000 | 7,545,000 | 7,372,000 |
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 | 811,000 | 1,580,000 | 2,312,000 | 3,085,000 |
| Interest expense | 222,000 | 436,000 | 633,000 | 816,000 |
| Net interest income | 589,000 | 1,144,000 | 1,679,000 | 2,269,000 |
| Noninterest income | 204,000 | 409,000 | 634,000 | 824,000 |
| Noninterest expense | 425,000 | 916,000 | 1,427,000 | 2,152,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 401,000 | 686,000 | 932,000 | 957,000 |
| Income tax | -1,000 | 107,000 | 181,000 | 256,000 |
| Net income | 402,000 | 579,000 | 751,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,221,000 | 7,398,000 | 7,369,000 | 7,169,000 |
| Total capital | 7,563,000 | 7,744,000 | 7,714,000 | 7,511,000 |
| Risk-weighted assets | 27,209,000 | 27,534,000 | 27,405,000 | 27,186,000 |