Call reports 2003
STATE BANK OF ARTHUR — 2003
What STATE BANK OF ARTHUR 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 | 70,432,000 | 69,836,000 | 71,279,000 | 73,674,000 |
| Total loans | 36,012,000 | 35,598,000 | 37,078,000 | 36,751,000 |
| Allowance for loan losses | 683,000 | 737,000 | 778,000 | 780,000 |
| Securities available for sale | 27,703,000 | 26,967,000 | 28,136,000 | 32,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,737,000 | 59,010,000 | 60,604,000 | 63,003,000 |
| Interest-bearing deposits | 49,971,000 | 48,911,000 | 50,125,000 | 50,794,000 |
| Noninterest-bearing deposits | 9,766,000 | 10,099,000 | 10,479,000 | 12,209,000 |
| Equity capital | 10,140,000 | 10,323,000 | 10,261,000 | 10,428,000 |
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 | 1,049,000 | 2,050,000 | 3,042,000 | 4,060,000 |
| Interest expense | 235,000 | 459,000 | 656,000 | 883,000 |
| Net interest income | 814,000 | 1,591,000 | 2,386,000 | 3,177,000 |
| Noninterest income | 78,000 | 178,000 | 248,000 | 340,000 |
| Noninterest expense | 534,000 | 1,017,000 | 1,551,000 | 2,041,000 |
| Provision for loan losses | 66,000 | 132,000 | 198,000 | 264,000 |
| Pretax income | 292,000 | 622,000 | 887,000 | 1,214,000 |
| Income tax | 71,000 | 150,000 | 241,000 | 275,000 |
| Net income | 221,000 | 472,000 | 646,000 | 939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,505,000 | 9,696,000 | 9,809,000 | 10,012,000 |
| Total capital | 10,042,000 | 10,231,000 | 10,366,000 | 10,574,000 |
| Risk-weighted assets | 42,830,000 | 42,568,000 | 44,356,000 | 44,772,000 |