Call reports 2003

BANK OF EPHRAIM — 2003

Name: BANK OF EPHRAIM — FFIEC call report 2003
Creator: BANK OF EPHRAIM

What BANK OF EPHRAIM reported to the FFIEC in 2003, quarter by quarter.

PERIOD: 2003SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/9f24cbe2-ff0a-43d4-9ccb-c94c19f4ca28/2003

Balance sheet

What the bank holds and owes at quarter end

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Total assets	54,627,000	58,912,000	61,784,000	59,390,000
Total loans	39,110,000	38,467,000	37,720,000	37,570,000
Allowance for loan losses	1,373,000	1,117,000	2,309,000	2,056,000
Securities available for sale	1,325,000	1,299,000	1,543,000	1,834,000
Securities held to maturity	5,024,000	4,602,000	4,416,000	3,870,000
Trading assets	0	0	0	0
Total deposits	49,542,000	53,695,000	57,270,000	54,897,000
Interest-bearing deposits	37,792,000	39,001,000	39,711,000	39,117,000
Noninterest-bearing deposits	11,750,000	14,694,000	17,559,000	15,780,000
Equity capital	4,852,000	5,040,000	4,326,000	4,295,000

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	865,000	1,722,000	2,497,000	3,268,000
Interest expense	212,000	424,000	618,000	798,000
Net interest income	653,000	1,298,000	1,879,000	2,470,000
Noninterest income	115,000	244,000	313,000	514,000
Noninterest expense	558,000	1,120,000	1,663,000	2,233,000
Provision for loan losses	400,000	424,000	1,789,000	2,072,000
Pretax income	-190,000	-2,000	-1,260,000	-1,321,000
Income tax	25,000	25,000	-515,000	-543,000
Net income	-215,000	-27,000	-745,000	-778,000

Basel measures — not reported for every quarter

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Tier 1 capital	4,848,000	5,038,000	4,320,000	4,287,000
Total capital	5,396,000	5,590,000	4,878,000	4,840,000
Risk-weighted assets	43,018,000	43,642,000	42,961,000	42,785,000