Call reports 2003
SUTTON BANK — 2003
What SUTTON 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 | 221,563,000 | 221,977,000 | 235,198,000 | 235,086,000 |
| Total loans | 153,312,000 | 152,954,000 | 163,208,000 | 163,442,000 |
| Allowance for loan losses | 2,249,000 | 2,171,000 | 2,279,000 | 2,159,000 |
| Securities available for sale | 46,397,000 | 45,848,000 | 47,887,000 | 45,074,000 |
| Securities held to maturity | 60,000 | 60,000 | 60,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,072,000 | 181,122,000 | 197,943,000 | 192,011,000 |
| Interest-bearing deposits | 166,711,000 | 162,863,000 | 178,072,000 | 170,958,000 |
| Noninterest-bearing deposits | 18,361,000 | 18,259,000 | 19,871,000 | 21,053,000 |
| Equity capital | 20,459,000 | 21,522,000 | 21,986,000 | 21,615,000 |
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 | 3,008,000 | 5,880,000 | 8,848,000 | 11,800,000 |
| Interest expense | 992,000 | 1,935,000 | 2,847,000 | 3,753,000 |
| Net interest income | 2,016,000 | 3,945,000 | 6,001,000 | 8,047,000 |
| Noninterest income | 1,138,000 | 2,394,000 | 3,565,000 | 4,375,000 |
| Noninterest expense | 1,922,000 | 4,044,000 | 6,052,000 | 7,990,000 |
| Provision for loan losses | 150,000 | 300,000 | 460,000 | 610,000 |
| Pretax income | 1,086,000 | 1,999,000 | 3,140,000 | 3,985,000 |
| Income tax | 237,000 | 416,000 | 662,000 | 813,000 |
| Net income | 849,000 | 1,583,000 | 2,478,000 | 3,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,844,000 | 19,568,000 | 20,448,000 | 20,144,000 |
| Total capital | 23,941,000 | 24,710,000 | 25,727,000 | 25,303,000 |
| Risk-weighted assets | 167,572,000 | 171,303,000 | 182,886,000 | 186,319,000 |