Call reports 2003
STATE BANK OF SLATER — 2003
What STATE BANK OF SLATER 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 | 32,957,000 | 32,989,000 | 31,916,000 | 31,640,000 |
| Total loans | 23,362,000 | 24,552,000 | 24,559,000 | 25,349,000 |
| Allowance for loan losses | 245,000 | 253,000 | 261,000 | 270,000 |
| Securities available for sale | 4,960,000 | 3,651,000 | 3,712,000 | 3,296,000 |
| Securities held to maturity | 867,000 | 826,000 | 781,000 | 831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,928,000 | 28,919,000 | 27,844,000 | 27,499,000 |
| Interest-bearing deposits | 25,540,000 | 25,064,000 | 24,406,000 | 24,235,000 |
| Noninterest-bearing deposits | 3,388,000 | 3,855,000 | 3,438,000 | 3,264,000 |
| Equity capital | 3,347,000 | 3,447,000 | 3,447,000 | 3,552,000 |
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 | 473,000 | 948,000 | 1,405,000 | 1,865,000 |
| Interest expense | 125,000 | 237,000 | 338,000 | 431,000 |
| Net interest income | 348,000 | 711,000 | 1,067,000 | 1,434,000 |
| Noninterest income | 14,000 | 42,000 | 65,000 | 118,000 |
| Noninterest expense | 241,000 | 457,000 | 703,000 | 940,000 |
| Provision for loan losses | 0 | 13,000 | 18,000 | 25,000 |
| Pretax income | 121,000 | 283,000 | 411,000 | 587,000 |
| Income tax | 42,000 | 99,000 | 144,000 | 206,000 |
| Net income | 79,000 | 184,000 | 267,000 | 381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,317,000 | 3,421,000 | 3,429,000 | 3,543,000 |
| Total capital | 3,562,000 | 3,674,000 | 3,690,000 | 3,813,000 |
| Risk-weighted assets | 23,225,000 | 24,192,000 | 24,048,000 | 24,651,000 |