Call reports 2003
STATE BANK OF BLUE RAPIDS — 2003
What STATE BANK OF BLUE RAPIDS 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 | 31,593,000 | 30,691,000 | 31,726,000 | 33,184,000 |
| Total loans | 17,380,000 | 17,133,000 | 15,378,000 | 16,018,000 |
| Allowance for loan losses | 200,000 | 247,000 | 240,000 | 238,000 |
| Securities available for sale | 10,253,000 | 9,599,000 | 11,837,000 | 13,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,581,000 | 26,618,000 | 27,605,000 | 29,252,000 |
| Interest-bearing deposits | 25,131,000 | 23,963,000 | 24,394,000 | 24,670,000 |
| Noninterest-bearing deposits | 2,450,000 | 2,655,000 | 3,211,000 | 4,582,000 |
| Equity capital | 3,764,000 | 3,757,000 | 3,798,000 | 3,822,000 |
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 | 385,000 | 766,000 | 1,092,000 | 1,441,000 |
| Interest expense | 151,000 | 293,000 | 425,000 | 545,000 |
| Net interest income | 234,000 | 473,000 | 667,000 | 896,000 |
| Noninterest income | 31,000 | 65,000 | 147,000 | 184,000 |
| Noninterest expense | 195,000 | 396,000 | 585,000 | 801,000 |
| Provision for loan losses | 0 | 45,000 | 45,000 | 45,000 |
| Pretax income | 70,000 | 97,000 | 184,000 | 234,000 |
| Income tax | 0 | 18,000 | 25,000 | 25,000 |
| Net income | 70,000 | 79,000 | 159,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,677,000 | 3,668,000 | 3,748,000 | 3,786,000 |
| Total capital | 3,877,000 | 3,876,000 | 3,942,000 | 3,990,000 |
| Risk-weighted assets | 16,900,000 | 16,640,000 | 15,448,000 | 16,248,000 |