Call reports 2003
ACB BANK — 2003
What ACB 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 | 30,727,000 | 30,158,000 | 29,912,000 | 29,507,000 |
| Total loans | 24,576,000 | 24,272,000 | 21,829,000 | 23,685,000 |
| Allowance for loan losses | 450,000 | 468,000 | 484,000 | 532,000 |
| Securities available for sale | 3,390,000 | 3,383,000 | 3,200,000 | 3,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,216,000 | 22,774,000 | 22,616,000 | 22,146,000 |
| Interest-bearing deposits | 21,486,000 | 21,116,000 | 20,765,000 | 20,264,000 |
| Noninterest-bearing deposits | 1,730,000 | 1,658,000 | 1,851,000 | 1,882,000 |
| Equity capital | 2,854,000 | 2,950,000 | 2,972,000 | 3,024,000 |
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 | 499,000 | 975,000 | 1,441,000 | 1,877,000 |
| Interest expense | 200,000 | 393,000 | 577,000 | 747,000 |
| Net interest income | 299,000 | 582,000 | 864,000 | 1,130,000 |
| Noninterest income | 40,000 | 85,000 | 139,000 | 207,000 |
| Noninterest expense | 164,000 | 328,000 | 498,000 | 680,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 132,000 |
| Pretax income | 161,000 | 304,000 | 448,000 | 531,000 |
| Income tax | 59,000 | 110,000 | 162,000 | 191,000 |
| Net income | 102,000 | 194,000 | 286,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,823,000 | 2,915,000 | 2,952,000 | 3,006,000 |
| Total capital | 3,124,000 | 3,214,000 | 3,233,000 | 3,300,000 |
| Risk-weighted assets | 23,918,000 | 23,710,000 | 22,299,000 | 23,338,000 |