Call reports 2003
MANSON STATE BANK — 2003
What MANSON 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 | 20,077,000 | 20,761,000 | 19,615,000 | 21,201,000 |
| Total loans | 12,713,000 | 12,942,000 | 13,157,000 | 12,298,000 |
| Allowance for loan losses | 132,000 | 141,000 | 138,000 | 143,000 |
| Securities available for sale | 3,129,000 | 3,133,000 | 3,596,000 | 3,328,000 |
| Securities held to maturity | 1,711,000 | 1,422,000 | 1,391,000 | 1,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,096,000 | 18,774,000 | 17,678,000 | 19,222,000 |
| Interest-bearing deposits | 15,817,000 | 16,673,000 | 15,771,000 | 17,241,000 |
| Noninterest-bearing deposits | 2,279,000 | 2,101,000 | 1,907,000 | 1,981,000 |
| Equity capital | 1,895,000 | 1,905,000 | 1,861,000 | 1,896,000 |
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 | 285,000 | 556,000 | 833,000 | 1,103,000 |
| Interest expense | 82,000 | 157,000 | 226,000 | 289,000 |
| Net interest income | 203,000 | 399,000 | 607,000 | 814,000 |
| Noninterest income | 32,000 | 56,000 | 90,000 | 112,000 |
| Noninterest expense | 137,000 | 272,000 | 407,000 | 577,000 |
| Provision for loan losses | 0 | 9,000 | 9,000 | 14,000 |
| Pretax income | 98,000 | 174,000 | 281,000 | 335,000 |
| Income tax | 5,000 | 8,000 | 14,000 | 17,000 |
| Net income | 93,000 | 166,000 | 267,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,832,000 | 1,841,000 | 1,827,000 | 1,878,000 |
| Total capital | 1,964,000 | 1,982,000 | 1,965,000 | 2,021,000 |
| Risk-weighted assets | 13,679,000 | 13,796,000 | 13,902,000 | 13,758,000 |