Call reports 2003
MCINTOSH STATE BANK — 2003
What MCINTOSH STATE 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 | 251,343,000 | 257,311,000 | 262,627,000 | 276,686,000 |
| Total loans | 175,691,000 | 179,599,000 | 186,660,000 | 202,992,000 |
| Allowance for loan losses | 2,974,000 | 3,115,000 | 3,218,000 | 3,178,000 |
| Securities available for sale | 41,394,000 | 44,976,000 | 45,272,000 | 48,597,000 |
| Securities held to maturity | 2,288,000 | 1,789,000 | 1,698,000 | 1,488,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,470,000 | 221,592,000 | 226,571,000 | 234,562,000 |
| Interest-bearing deposits | 193,179,000 | 198,337,000 | 202,976,000 | 211,672,000 |
| Noninterest-bearing deposits | 21,291,000 | 23,255,000 | 23,596,000 | 22,890,000 |
| Equity capital | 24,156,000 | 25,091,000 | 25,213,000 | 26,216,000 |
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 | 3,874,000 | 7,768,000 | 11,685,000 | 15,791,000 |
| Interest expense | 1,370,000 | 2,690,000 | 3,943,000 | 5,210,000 |
| Net interest income | 2,504,000 | 5,078,000 | 7,742,000 | 10,581,000 |
| Noninterest income | 705,000 | 1,520,000 | 2,371,000 | 3,148,000 |
| Noninterest expense | 2,014,000 | 4,009,000 | 6,070,000 | 8,207,000 |
| Provision for loan losses | 143,000 | 287,000 | 399,000 | 427,000 |
| Pretax income | 1,054,000 | 2,307,000 | 3,657,000 | 5,108,000 |
| Income tax | 326,000 | 716,000 | 1,170,000 | 1,606,000 |
| Net income | 728,000 | 1,591,000 | 2,487,000 | 3,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,567,000 | 23,430,000 | 24,025,000 | 25,040,000 |
| Total capital | 24,886,000 | 25,804,000 | 26,435,000 | 27,660,000 |
| Risk-weighted assets | 184,816,000 | 189,212,000 | 192,002,000 | 209,071,000 |