Call reports 2003
STATE BANK OF MOORHEAD — 2003
What STATE BANK OF MOORHEAD reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Total assets | 126,846,000 | 129,932,000 |
| Total loans | 104,052,000 | 112,057,000 |
| Allowance for loan losses | 1,402,000 | 1,425,000 |
| Securities available for sale | 9,259,000 | 7,211,000 |
| Securities held to maturity | 295,000 | 221,000 |
| Trading assets | 0 | 0 |
| Total deposits | 114,828,000 | 118,493,000 |
| Interest-bearing deposits | 100,277,000 | 102,027,000 |
| Noninterest-bearing deposits | 14,551,000 | 16,466,000 |
| Equity capital | 10,795,000 | 10,234,000 |
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 |
|---|---|---|
| Interest income | 1,736,000 | 3,491,000 |
| Interest expense | 597,000 | 1,163,000 |
| Net interest income | 1,139,000 | 2,328,000 |
| Noninterest income | 149,000 | 329,000 |
| Noninterest expense | 608,000 | 1,217,000 |
| Provision for loan losses | 30,000 | 65,000 |
| Pretax income | 650,000 | 1,375,000 |
| Income tax | 267,000 | 557,000 |
| Net income | 383,000 | 818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Tier 1 capital | 10,651,000 | 10,085,000 |
| Total capital | 11,962,000 | 11,462,000 |
| Risk-weighted assets | 104,822,000 | 110,105,000 |