Call reports 2003
ROLFE STATE BANK — 2003
What ROLFE 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 | 31,605,000 | 31,760,000 | 32,502,000 | 32,510,000 |
| Total loans | 19,624,000 | 19,983,000 | 20,595,000 | 20,915,000 |
| Allowance for loan losses | 268,000 | 283,000 | 292,000 | 302,000 |
| Securities available for sale | 5,983,000 | 6,258,000 | 6,011,000 | 6,718,000 |
| Securities held to maturity | 2,367,000 | 2,151,000 | 2,383,000 | 2,774,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,582,000 | 28,770,000 | 29,390,000 | 29,490,000 |
| Interest-bearing deposits | 25,394,000 | 25,724,000 | 26,175,000 | 25,474,000 |
| Noninterest-bearing deposits | 3,188,000 | 3,046,000 | 3,215,000 | 4,016,000 |
| Equity capital | 2,796,000 | 2,749,000 | 2,751,000 | 2,886,000 |
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 | 441,000 | 877,000 | 1,317,000 | 1,763,000 |
| Interest expense | 163,000 | 320,000 | 468,000 | 600,000 |
| Net interest income | 278,000 | 557,000 | 849,000 | 1,163,000 |
| Noninterest income | 22,000 | 42,000 | 66,000 | 108,000 |
| Noninterest expense | 240,000 | 483,000 | 726,000 | 984,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 51,000 | 98,000 | 162,000 | 251,000 |
| Income tax | 14,000 | 27,000 | 47,000 | -14,000 |
| Net income | 37,000 | 71,000 | 115,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,737,000 | 2,671,000 | 2,716,000 | 2,865,000 |
| Total capital | 3,002,000 | 2,939,000 | 2,995,000 | 3,150,000 |
| Risk-weighted assets | 21,219,000 | 21,456,000 | 22,274,000 | 22,822,000 |