Call reports 2003
STANDARD BANK — 2003
What STANDARD 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 | 274,644,000 | 276,292,000 | 266,551,000 | 255,283,000 |
| Total loans | 107,616,000 | 101,904,000 | 110,033,000 | 107,907,000 |
| Allowance for loan losses | 1,631,000 | 1,614,000 | 1,579,000 | 1,595,000 |
| Securities available for sale | 113,546,000 | 101,544,000 | 102,303,000 | 95,968,000 |
| Securities held to maturity | 0 | 12,378,000 | 21,832,000 | 20,847,000 |
| Trading assets | 64,000 | 118,000 | 0 | 0 |
| Total deposits | 201,012,000 | 202,374,000 | 194,194,000 | 190,762,000 |
| Interest-bearing deposits | 184,665,000 | 182,276,000 | 178,424,000 | 177,398,000 |
| Noninterest-bearing deposits | 16,347,000 | 20,098,000 | 15,770,000 | 13,364,000 |
| Equity capital | 35,288,000 | 36,046,000 | 35,505,000 | 35,513,000 |
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 | 3,117,000 | 6,106,000 | 8,888,000 | 11,618,000 |
| Interest expense | 1,718,000 | 3,379,000 | 4,958,000 | 6,464,000 |
| Net interest income | 1,399,000 | 2,727,000 | 3,930,000 | 5,154,000 |
| Noninterest income | 344,000 | 999,000 | 1,260,000 | 1,507,000 |
| Noninterest expense | 1,473,000 | 2,926,000 | 4,651,000 | 6,403,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 270,000 | 806,000 | 556,000 | 437,000 |
| Income tax | -37,000 | 16,000 | -181,000 | -328,000 |
| Net income | 307,000 | 790,000 | 737,000 | 765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,528,000 | 31,998,000 | 31,994,000 | 32,040,000 |
| Total capital | 34,360,000 | 34,721,000 | 34,694,000 | 34,821,000 |
| Risk-weighted assets | 134,061,000 | 128,096,000 | 131,349,000 | 128,360,000 |