Call reports 2003
LEADERS BANK, THE — 2003
What LEADERS BANK, THE 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 | 134,674,000 | 131,108,000 | 131,999,000 | 147,864,000 |
| Total loans | 107,312,000 | 109,219,000 | 109,188,000 | 125,475,000 |
| Allowance for loan losses | 1,117,000 | 1,145,000 | 1,307,000 | 1,318,000 |
| Securities available for sale | 16,157,000 | 16,048,000 | 14,372,000 | 12,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,674,000 | 111,139,000 | 110,060,000 | 128,786,000 |
| Interest-bearing deposits | 103,694,000 | 101,454,000 | 98,551,000 | 118,182,000 |
| Noninterest-bearing deposits | 11,981,000 | 9,685,000 | 11,510,000 | 10,604,000 |
| Equity capital | 13,872,000 | 14,219,000 | 14,357,000 | 14,672,000 |
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 | 1,541,000 | 3,163,000 | 4,700,000 | 6,340,000 |
| Interest expense | 711,000 | 1,398,000 | 2,021,000 | 2,643,000 |
| Net interest income | 830,000 | 1,765,000 | 2,679,000 | 3,697,000 |
| Noninterest income | 164,000 | 354,000 | 592,000 | 735,000 |
| Noninterest expense | 619,000 | 1,265,000 | 1,959,000 | 2,766,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 506,000 |
| Pretax income | 214,000 | 569,000 | 862,000 | 1,205,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 214,000 | 569,000 | 862,000 | 1,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,735,000 | 14,090,000 | 14,382,000 | 14,707,000 |
| Total capital | 14,852,000 | 15,235,000 | 15,689,000 | 16,025,000 |
| Risk-weighted assets | 113,080,000 | 112,092,000 | 112,863,000 | 129,150,000 |