Call reports 2003
BANK OF ELMWOOD — 2003
What BANK OF ELMWOOD 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 | 245,655,000 | 243,229,000 | 243,651,000 | 252,650,000 |
| Total loans | 155,493,000 | 155,446,000 | 154,035,000 | 160,610,000 |
| Allowance for loan losses | 1,997,000 | 1,994,000 | 1,998,000 | 2,086,000 |
| Securities available for sale | 64,667,000 | 63,347,000 | 63,440,000 | 63,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,624,000 | 202,426,000 | 201,585,000 | 199,207,000 |
| Interest-bearing deposits | 170,611,000 | 169,517,000 | 172,301,000 | 168,470,000 |
| Noninterest-bearing deposits | 31,013,000 | 32,909,000 | 29,285,000 | 30,737,000 |
| Equity capital | 15,201,000 | 15,429,000 | 15,098,000 | 17,715,000 |
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 | 3,116,000 | 6,219,000 | 9,097,000 | 12,142,000 |
| Interest expense | 940,000 | 1,865,000 | 2,733,000 | 3,552,000 |
| Net interest income | 2,176,000 | 4,354,000 | 6,364,000 | 8,590,000 |
| Noninterest income | 866,000 | 1,897,000 | 2,762,000 | 3,323,000 |
| Noninterest expense | 2,619,000 | 5,240,000 | 7,795,000 | 10,308,000 |
| Provision for loan losses | 53,000 | 114,000 | 243,000 | 465,000 |
| Pretax income | 623,000 | 1,150,000 | 1,341,000 | 1,393,000 |
| Income tax | 3,000 | 4,000 | 4,000 | 4,000 |
| Net income | 620,000 | 1,146,000 | 1,337,000 | 1,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,117,000 | 15,251,000 | 15,354,000 | 18,058,000 |
| Total capital | 17,023,000 | 17,097,000 | 17,224,000 | 20,021,000 |
| Risk-weighted assets | 152,394,000 | 147,506,000 | 149,461,000 | 156,896,000 |