Call reports 2003
DURAND STATE BANK — 2003
What DURAND 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 | 70,954,000 | 74,391,000 | 73,709,000 | 74,275,000 |
| Total loans | 45,602,000 | 44,802,000 | 45,813,000 | 43,695,000 |
| Allowance for loan losses | 422,000 | 448,000 | 483,000 | 496,000 |
| Securities available for sale | 14,817,000 | 15,223,000 | 17,532,000 | 19,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,751,000 | 64,020,000 | 63,339,000 | 64,021,000 |
| Interest-bearing deposits | 55,891,000 | 59,487,000 | 58,880,000 | 59,034,000 |
| Noninterest-bearing deposits | 4,860,000 | 4,534,000 | 4,460,000 | 4,986,000 |
| Equity capital | 5,676,000 | 5,776,000 | 5,862,000 | 5,814,000 |
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 | 992,000 | 1,907,000 | 2,962,000 | 3,925,000 |
| Interest expense | 405,000 | 789,000 | 1,146,000 | 1,487,000 |
| Net interest income | 587,000 | 1,118,000 | 1,816,000 | 2,438,000 |
| Noninterest income | 123,000 | 262,000 | 409,000 | 524,000 |
| Noninterest expense | 496,000 | 965,000 | 1,462,000 | 2,045,000 |
| Provision for loan losses | 30,000 | 202,000 | 245,000 | 447,000 |
| Pretax income | 184,000 | 213,000 | 518,000 | 470,000 |
| Income tax | 49,000 | 74,000 | 119,000 | 46,000 |
| Net income | 135,000 | 139,000 | 399,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,524,000 | 5,529,000 | 5,789,000 | 5,716,000 |
| Total capital | 5,946,000 | 5,977,000 | 6,272,000 | 6,212,000 |
| Risk-weighted assets | 53,783,000 | 53,675,000 | 53,965,000 | 52,851,000 |