Call reports 2003
EQUITY BANK — 2003
What EQUITY 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 | 30,227,000 | 32,517,000 | 30,853,000 | 31,944,000 |
| Total loans | 21,361,000 | 21,984,000 | 22,598,000 | 23,840,000 |
| Allowance for loan losses | 337,000 | 373,000 | 377,000 | 361,000 |
| Securities available for sale | 2,732,000 | 3,126,000 | 2,800,000 | 2,666,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,130,000 | 28,035,000 | 26,358,000 | 27,417,000 |
| Interest-bearing deposits | 22,252,000 | 23,520,000 | 21,623,000 | 21,408,000 |
| Noninterest-bearing deposits | 5,878,000 | 4,515,000 | 4,735,000 | 6,009,000 |
| Equity capital | 2,044,000 | 4,413,000 | 4,443,000 | 4,436,000 |
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 | 487,000 | 23,000 | 481,000 | 943,000 |
| Interest expense | 121,000 | 4,000 | 102,000 | 195,000 |
| Net interest income | 366,000 | 19,000 | 379,000 | 748,000 |
| Noninterest income | 99,000 | 8,000 | 136,000 | 273,000 |
| Noninterest expense | 400,000 | -37,000 | 358,000 | 897,000 |
| Provision for loan losses | 15,000 | 0 | 30,000 | 40,000 |
| Pretax income | 50,000 | 64,000 | 127,000 | 84,000 |
| Income tax | 0 | 22,000 | 37,000 | 0 |
| Net income | 50,000 | 42,000 | 90,000 | 84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,021,000 | 4,361,000 | 4,409,000 | 4,403,000 |
| Total capital | 2,290,000 | 4,664,000 | 4,710,000 | 4,699,000 |
| Risk-weighted assets | 21,470,000 | 23,419,000 | 24,029,000 | 23,624,000 |