Call reports 2003
SMALL BUSINESS BANK — 2003
What SMALL BUSINESS 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 | 69,865,000 | 71,282,000 | 72,749,000 | 72,274,000 |
| Total loans | 51,031,000 | 51,035,000 | 54,298,000 | 55,302,000 |
| Allowance for loan losses | 544,000 | 547,000 | 556,000 | 510,000 |
| Securities available for sale | 8,947,000 | 10,628,000 | 9,550,000 | 8,217,000 |
| Securities held to maturity | 1,678,000 | 1,978,000 | 1,930,000 | 1,926,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,665,000 | 60,163,000 | 59,877,000 | 59,021,000 |
| Interest-bearing deposits | 51,138,000 | 50,755,000 | 49,764,000 | 49,434,000 |
| Noninterest-bearing deposits | 9,527,000 | 9,408,000 | 10,114,000 | 9,587,000 |
| Equity capital | 5,312,000 | 5,535,000 | 5,556,000 | 5,578,000 |
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 | 997,000 | 1,997,000 | 2,987,000 | 4,003,000 |
| Interest expense | 324,000 | 641,000 | 928,000 | 1,213,000 |
| Net interest income | 673,000 | 1,356,000 | 2,059,000 | 2,790,000 |
| Noninterest income | 197,000 | 425,000 | 728,000 | 958,000 |
| Noninterest expense | 705,000 | 1,417,000 | 2,232,000 | 3,149,000 |
| Provision for loan losses | 15,000 | 31,000 | 44,000 | 44,000 |
| Pretax income | 150,000 | 333,000 | 511,000 | 557,000 |
| Income tax | 48,000 | 107,000 | 169,000 | 179,000 |
| Net income | 102,000 | 226,000 | 342,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,058,000 | 5,184,000 | 5,301,000 | 5,337,000 |
| Total capital | 5,602,000 | 5,731,000 | 5,857,000 | 5,847,000 |
| Risk-weighted assets | 50,566,000 | 50,392,000 | 52,318,000 | 53,050,000 |