Call reports 2003
DECATUR STATE BANK — 2003
What DECATUR 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 | 136,565,000 | 140,753,000 | 139,292,000 | 138,797,000 |
| Total loans | 106,691,000 | 107,266,000 | 107,643,000 | 107,242,000 |
| Allowance for loan losses | 1,219,000 | 1,324,000 | 1,522,000 | 1,434,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,198,000 | 22,449,000 | 22,638,000 | 22,642,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,076,000 | 86,404,000 | 86,047,000 | 93,042,000 |
| Interest-bearing deposits | 77,059,000 | 76,182,000 | 76,931,000 | 78,647,000 |
| Noninterest-bearing deposits | 10,017,000 | 10,223,000 | 9,116,000 | 14,395,000 |
| Equity capital | 17,159,000 | 18,026,000 | 18,806,000 | 16,952,000 |
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 | 2,300,000 | 4,652,000 | 7,035,000 | 9,399,000 |
| Interest expense | 754,000 | 1,454,000 | 2,107,000 | 2,708,000 |
| Net interest income | 1,546,000 | 3,198,000 | 4,928,000 | 6,691,000 |
| Noninterest income | 330,000 | 654,000 | 997,000 | 1,361,000 |
| Noninterest expense | 837,000 | 1,747,000 | 2,790,000 | 3,800,000 |
| Provision for loan losses | 150,000 | 350,000 | 600,000 | 900,000 |
| Pretax income | 889,000 | 1,755,000 | 2,535,000 | 3,352,000 |
| Income tax | 351,000 | 351,000 | 351,000 | 351,000 |
| Net income | 538,000 | 1,404,000 | 2,184,000 | 3,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,159,000 | 18,026,000 | 18,806,000 | 16,952,000 |
| Total capital | 18,378,000 | 19,350,000 | 20,138,000 | 18,268,000 |
| Risk-weighted assets | 104,913,000 | 106,652,000 | 106,335,000 | 105,154,000 |