Call reports 2003
STATE SAVINGS BANK OF MANISTIQUE, THE — 2003
What STATE SAVINGS BANK OF MANISTIQUE, THE 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 | 92,498,000 | 95,157,000 | 100,102,000 | 101,411,000 |
| Total loans | 47,604,000 | 51,116,000 | 52,694,000 | 55,887,000 |
| Allowance for loan losses | 536,000 | 588,000 | 631,000 | 662,000 |
| Securities available for sale | 35,815,000 | 36,966,000 | 36,893,000 | 38,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,827,000 | 79,461,000 | 83,539,000 | 84,844,000 |
| Interest-bearing deposits | 73,013,000 | 72,737,000 | 77,105,000 | 78,062,000 |
| Noninterest-bearing deposits | 5,814,000 | 6,724,000 | 6,434,000 | 6,782,000 |
| Equity capital | 8,372,000 | 8,872,000 | 8,857,000 | 8,944,000 |
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 | 1,299,000 | 2,645,000 | 4,005,000 | 5,389,000 |
| Interest expense | 403,000 | 786,000 | 1,150,000 | 1,509,000 |
| Net interest income | 896,000 | 1,859,000 | 2,855,000 | 3,880,000 |
| Noninterest income | 62,000 | 144,000 | 233,000 | 319,000 |
| Noninterest expense | 529,000 | 1,033,000 | 1,565,000 | 2,295,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 384,000 | 870,000 | 1,378,000 | 1,744,000 |
| Income tax | 152,000 | 293,000 | 445,000 | 572,000 |
| Net income | 232,000 | 577,000 | 933,000 | 1,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,077,000 | 8,382,000 | 8,668,000 | 8,767,000 |
| Total capital | 8,613,000 | 8,970,000 | 9,299,000 | 9,429,000 |
| Risk-weighted assets | 55,204,000 | 58,688,000 | 61,376,000 | 64,671,000 |
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