Call reports 2003
FALLS BANK — 2003
What FALLS 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 | 70,314,000 | 68,033,000 | 70,582,000 | 76,784,000 |
| Total loans | 54,178,000 | 58,138,000 | 62,416,000 | 65,248,000 |
| Allowance for loan losses | 589,000 | 589,000 | 589,000 | 589,000 |
| Securities available for sale | 8,319,000 | 5,617,000 | 4,369,000 | 4,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,300,000 | 44,008,000 | 43,371,000 | 46,876,000 |
| Interest-bearing deposits | 41,878,000 | 42,108,000 | 41,572,000 | 45,074,000 |
| Noninterest-bearing deposits | 1,422,000 | 1,900,000 | 1,799,000 | 1,802,000 |
| Equity capital | 7,211,000 | 7,324,000 | 7,382,000 | 7,348,000 |
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 | 980,000 | 1,954,000 | 2,858,000 | 3,745,000 |
| Interest expense | 435,000 | 858,000 | 1,251,000 | 1,669,000 |
| Net interest income | 545,000 | 1,096,000 | 1,607,000 | 2,076,000 |
| Noninterest income | 119,000 | 228,000 | 295,000 | 325,000 |
| Noninterest expense | 398,000 | 880,000 | 1,308,000 | 1,853,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 266,000 | 444,000 | 594,000 | 548,000 |
| Income tax | 111,000 | 172,000 | 202,000 | 211,000 |
| Net income | 155,000 | 272,000 | 392,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,147,000 | 7,259,000 | 7,376,000 | 7,320,000 |
| Total capital | 7,663,000 | 7,828,000 | 7,918,000 | 7,909,000 |
| Risk-weighted assets | 41,182,000 | 45,474,000 | 43,262,000 | 47,771,000 |