Call reports 2003
RANTOUL FIRST BANK, S.B. — 2003
What RANTOUL FIRST BANK, S.B. 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 | 30,814,000 | 32,505,000 | 31,711,000 | 32,375,000 |
| Total loans | 17,509,000 | 17,578,000 | 16,848,000 | 15,183,000 |
| Allowance for loan losses | 403,000 | 392,000 | 402,000 | 322,000 |
| Securities available for sale | 7,760,000 | 10,901,000 | 10,827,000 | 12,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,763,000 | 28,811,000 | 27,869,000 | 27,686,000 |
| Interest-bearing deposits | 28,359,000 | 28,374,000 | 27,527,000 | 27,345,000 |
| Noninterest-bearing deposits | 404,000 | 437,000 | 342,000 | 341,000 |
| Equity capital | 1,728,000 | 2,984,000 | 2,846,000 | 2,416,000 |
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 | 435,000 | 871,000 | 1,309,000 | 1,696,000 |
| Interest expense | 239,000 | 458,000 | 678,000 | 881,000 |
| Net interest income | 196,000 | 413,000 | 631,000 | 815,000 |
| Noninterest income | 34,000 | 59,000 | 112,000 | 156,000 |
| Noninterest expense | 314,000 | 628,000 | 914,000 | 1,248,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 15,000 |
| Pretax income | -84,000 | -151,000 | -176,000 | -287,000 |
| Income tax | 0 | 0 | 0 | 326,000 |
| Net income | -84,000 | -151,000 | -176,000 | -613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,391,000 | 2,655,000 | 2,574,000 | 2,469,000 |
| Total capital | 1,575,000 | 2,872,000 | 2,763,000 | 2,645,000 |
| Risk-weighted assets | 14,480,000 | 16,482,000 | 14,145,000 | 13,796,000 |