Call reports 2003
TRI-COUNTY BANK — 2003
What TRI-COUNTY 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 | 23,133,000 | 21,852,000 | 23,142,000 | 24,579,000 |
| Total loans | 17,495,000 | 17,754,000 | 19,046,000 | 19,767,000 |
| Allowance for loan losses | 161,000 | 174,000 | 168,000 | 176,000 |
| Securities available for sale | 0 | 0 | 0 | 1,002,000 |
| Securities held to maturity | 135,000 | 135,000 | 135,000 | 135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,154,000 | 16,444,000 | 17,748,000 | 19,183,000 |
| Interest-bearing deposits | 15,837,000 | 15,490,000 | 16,507,000 | 17,758,000 |
| Noninterest-bearing deposits | 1,317,000 | 954,000 | 1,241,000 | 1,425,000 |
| Equity capital | 2,127,000 | 2,147,000 | 2,179,000 | 2,200,000 |
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 | 336,000 | 687,000 | 1,047,000 | 1,394,000 |
| Interest expense | 143,000 | 274,000 | 400,000 | 526,000 |
| Net interest income | 193,000 | 413,000 | 647,000 | 868,000 |
| Noninterest income | 8,000 | 16,000 | 23,000 | 30,000 |
| Noninterest expense | 188,000 | 373,000 | 560,000 | 756,000 |
| Provision for loan losses | 15,000 | 28,000 | 35,000 | 43,000 |
| Pretax income | -2,000 | 28,000 | 75,000 | 99,000 |
| Income tax | -3,000 | 7,000 | 22,000 | 29,000 |
| Net income | 1,000 | 21,000 | 53,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,127,000 | 2,147,000 | 2,179,000 | 2,196,000 |
| Total capital | 2,288,000 | 2,321,000 | 2,347,000 | 2,372,000 |
| Risk-weighted assets | 15,050,000 | 15,207,000 | 16,812,000 | 17,834,000 |