Call reports 2003
SUPERIOR BANK — 2003
What SUPERIOR 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 | 30,854,000 | 30,831,000 | 31,045,000 | 31,605,000 |
| Total loans | 16,623,000 | 15,654,000 | 14,875,000 | 13,882,000 |
| Allowance for loan losses | 204,000 | 210,000 | 215,000 | 214,000 |
| Securities available for sale | 11,261,000 | 10,891,000 | 12,135,000 | 14,898,000 |
| Securities held to maturity | 20,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,599,000 | 24,848,000 | 25,057,000 | 25,714,000 |
| Interest-bearing deposits | 20,943,000 | 20,997,000 | 20,884,000 | 21,308,000 |
| Noninterest-bearing deposits | 3,656,000 | 3,851,000 | 4,173,000 | 4,406,000 |
| Equity capital | 3,683,000 | 3,894,000 | 3,878,000 | 3,814,000 |
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 | 448,000 | 866,000 | 1,265,000 | 1,662,000 |
| Interest expense | 123,000 | 240,000 | 350,000 | 454,000 |
| Net interest income | 325,000 | 626,000 | 915,000 | 1,208,000 |
| Noninterest income | 28,000 | 62,000 | 98,000 | 133,000 |
| Noninterest expense | 247,000 | 499,000 | 728,000 | 979,000 |
| Provision for loan losses | 0 | 6,000 | 12,000 | 12,000 |
| Pretax income | 106,000 | 224,000 | 330,000 | 405,000 |
| Income tax | 3,000 | 4,000 | 4,000 | 4,000 |
| Net income | 103,000 | 220,000 | 326,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,683,000 | 3,750,000 | 3,806,000 | 3,806,000 |
| Total capital | 3,887,000 | 3,960,000 | 4,005,000 | 4,020,000 |
| Risk-weighted assets | 17,569,000 | 16,627,000 | 15,918,000 | 16,683,000 |