Call reports 2003
DRUMMOND COMMUNITY BANK — 2003
What DRUMMOND COMMUNITY BANK 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 | 123,189,000 | 135,242,000 | 126,601,000 | 129,321,000 |
| Total loans | 70,509,000 | 73,520,000 | 73,589,000 | 70,961,000 |
| Allowance for loan losses | 1,080,000 | 1,154,000 | 1,199,000 | 1,226,000 |
| Securities available for sale | 41,467,000 | 50,592,000 | 42,853,000 | 47,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,346,000 | 108,420,000 | 104,972,000 | 103,839,000 |
| Interest-bearing deposits | 66,293,000 | 79,939,000 | 77,962,000 | 74,431,000 |
| Noninterest-bearing deposits | 25,053,000 | 28,481,000 | 27,010,000 | 29,408,000 |
| Equity capital | 13,618,000 | 14,874,000 | 14,616,000 | 15,013,000 |
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 | 2,063,000 | 4,205,000 | 6,350,000 | 8,514,000 |
| Interest expense | 338,000 | 669,000 | 955,000 | 1,359,000 |
| Net interest income | 1,725,000 | 3,536,000 | 5,395,000 | 7,155,000 |
| Noninterest income | 317,000 | 609,000 | 915,000 | 1,328,000 |
| Noninterest expense | 1,049,000 | 2,186,000 | 3,366,000 | 4,680,000 |
| Provision for loan losses | 90,000 | 180,000 | 250,000 | 290,000 |
| Pretax income | 903,000 | 1,779,000 | 2,694,000 | 3,513,000 |
| Income tax | 18,000 | 37,000 | 56,000 | 16,000 |
| Net income | 885,000 | 1,742,000 | 2,638,000 | 3,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,733,000 | 13,159,000 | 13,379,000 | 13,709,000 |
| Total capital | 13,652,000 | 14,078,000 | 14,324,000 | 14,636,000 |
| Risk-weighted assets | 73,381,000 | 73,261,000 | 75,335,000 | 73,863,000 |