Call reports 2003
PECOS COUNTY STATE BANK, THE — 2003
What PECOS COUNTY STATE BANK, THE 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 | 82,077,000 | 80,195,000 | 77,457,000 | 81,624,000 |
| Total loans | 34,008,000 | 35,617,000 | 36,042,000 | 39,677,000 |
| Allowance for loan losses | 437,000 | 428,000 | 426,000 | 376,000 |
| Securities available for sale | 36,492,000 | 33,613,000 | 28,978,000 | 31,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,152,000 | 72,359,000 | 69,861,000 | 69,887,000 |
| Interest-bearing deposits | 58,457,000 | 55,462,000 | 53,660,000 | 53,630,000 |
| Noninterest-bearing deposits | 15,695,000 | 16,897,000 | 16,201,000 | 16,258,000 |
| Equity capital | 7,346,000 | 7,470,000 | 7,246,000 | 7,035,000 |
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 | 1,205,000 | 2,346,000 | 3,446,000 | 4,618,000 |
| Interest expense | 337,000 | 635,000 | 924,000 | 1,192,000 |
| Net interest income | 868,000 | 1,711,000 | 2,522,000 | 3,426,000 |
| Noninterest income | 244,000 | 624,000 | 1,009,000 | 1,313,000 |
| Noninterest expense | 703,000 | 1,401,000 | 2,097,000 | 2,846,000 |
| Provision for loan losses | 26,000 | 56,000 | 86,000 | 116,000 |
| Pretax income | 433,000 | 928,000 | 1,427,000 | 1,871,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 415,000 | 928,000 | 1,427,000 | 1,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,576,000 | 6,691,000 | 7,190,000 | 6,995,000 |
| Total capital | 7,013,000 | 7,119,000 | 7,616,000 | 7,371,000 |
| Risk-weighted assets | 41,532,000 | 44,340,000 | 43,351,000 | 46,926,000 |