Call reports 2003
DEFIANCE STATE BANK — 2003
What DEFIANCE STATE 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 | 17,497,000 | 18,403,000 | 19,322,000 | 18,940,000 |
| Total loans | 12,878,000 | 13,432,000 | 14,298,000 | 13,057,000 |
| Allowance for loan losses | 140,000 | 178,000 | 178,000 | 169,000 |
| Securities available for sale | 101,000 | 0 | 0 | 0 |
| Securities held to maturity | 438,000 | 280,000 | 239,000 | 232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,706,000 | 14,998,000 | 14,468,000 | 15,571,000 |
| Interest-bearing deposits | 14,238,000 | 14,383,000 | 13,887,000 | 14,865,000 |
| Noninterest-bearing deposits | 468,000 | 615,000 | 581,000 | 706,000 |
| Equity capital | 1,826,000 | 1,899,000 | 1,976,000 | 1,887,000 |
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 | 259,000 | 539,000 | 825,000 | 1,100,000 |
| Interest expense | 67,000 | 137,000 | 205,000 | 274,000 |
| Net interest income | 192,000 | 402,000 | 620,000 | 826,000 |
| Noninterest income | 13,000 | 30,000 | 46,000 | 61,000 |
| Noninterest expense | 144,000 | 287,000 | 438,000 | 744,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 60,000 | 144,000 | 228,000 | 146,000 |
| Income tax | 0 | 11,000 | 17,000 | 24,000 |
| Net income | 60,000 | 133,000 | 211,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,826,000 | 1,899,000 | 1,976,000 | 1,887,000 |
| Total capital | 1,966,000 | 2,068,000 | 2,154,000 | 2,056,000 |
| Risk-weighted assets | 12,961,000 | 13,489,000 | 14,328,000 | 13,334,000 |