Call reports 2003
BANK OF LUMBER CITY — 2003
What BANK OF LUMBER CITY 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 | 18,503,000 | 18,009,000 | 17,189,000 | 17,982,000 |
| Total loans | 10,802,000 | 11,243,000 | 10,104,000 | 10,186,000 |
| Allowance for loan losses | 308,000 | 310,000 | 305,000 | 209,000 |
| Securities available for sale | 2,818,000 | 3,546,000 | 3,571,000 | 4,471,000 |
| Securities held to maturity | 2,299,000 | 1,996,000 | 1,818,000 | 1,677,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,227,000 | 14,611,000 | 13,767,000 | 14,490,000 |
| Interest-bearing deposits | 11,907,000 | 11,363,000 | 10,780,000 | 11,707,000 |
| Noninterest-bearing deposits | 3,320,000 | 3,248,000 | 2,987,000 | 2,783,000 |
| Equity capital | 3,216,000 | 3,317,000 | 3,340,000 | 3,385,000 |
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 | 303,000 | 612,000 | 900,000 | 1,183,000 |
| Interest expense | 73,000 | 140,000 | 197,000 | 249,000 |
| Net interest income | 230,000 | 472,000 | 703,000 | 934,000 |
| Noninterest income | 52,000 | 108,000 | 169,000 | 230,000 |
| Noninterest expense | 229,000 | 432,000 | 644,000 | 872,000 |
| Provision for loan losses | 5,000 | 7,000 | 7,000 | 7,000 |
| Pretax income | 48,000 | 141,000 | 221,000 | 285,000 |
| Income tax | 16,000 | 28,000 | 33,000 | 59,000 |
| Net income | 32,000 | 113,000 | 188,000 | 226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,147,000 | 3,228,000 | 3,303,000 | 3,341,000 |
| Total capital | 3,279,000 | 3,365,000 | 3,434,000 | 3,475,000 |
| Risk-weighted assets | 10,397,000 | 10,749,000 | 10,306,000 | 10,628,000 |