Call reports 2003
STATE BANK OF DELPHOS — 2003
What STATE BANK OF DELPHOS 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 | 26,951,000 | 26,696,000 | 26,302,000 | 26,841,000 |
| Total loans | 20,810,000 | 20,477,000 | 20,296,000 | 20,514,000 |
| Allowance for loan losses | 442,000 | 438,000 | 447,000 | 431,000 |
| Securities available for sale | 2,519,000 | 2,519,000 | 1,990,000 | 2,417,000 |
| Securities held to maturity | 1,095,000 | 1,295,000 | 1,193,000 | 1,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,059,000 | 21,592,000 | 22,419,000 | 21,888,000 |
| Interest-bearing deposits | 19,883,000 | 19,589,000 | 19,625,000 | 19,429,000 |
| Noninterest-bearing deposits | 2,176,000 | 2,003,000 | 2,794,000 | 2,459,000 |
| Equity capital | 2,338,000 | 2,339,000 | 2,322,000 | 2,416,000 |
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 | 439,000 | 867,000 | 1,294,000 | 1,710,000 |
| Interest expense | 167,000 | 325,000 | 469,000 | 597,000 |
| Net interest income | 272,000 | 542,000 | 825,000 | 1,113,000 |
| Noninterest income | 41,000 | 65,000 | 108,000 | 163,000 |
| Noninterest expense | 197,000 | 397,000 | 605,000 | 846,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 116,000 | 210,000 | 328,000 | 430,000 |
| Income tax | 4,000 | 8,000 | 11,000 | 10,000 |
| Net income | 112,000 | 202,000 | 317,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,255,000 | 2,250,000 | 2,255,000 | 2,358,000 |
| Total capital | 2,516,000 | 2,512,000 | 2,512,000 | 2,616,000 |
| Risk-weighted assets | 20,707,000 | 20,861,000 | 20,344,000 | 20,462,000 |