Call reports 2003
STATE BANK OF AUBURN — 2003
What STATE BANK OF AUBURN 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 | 89,459,000 | 87,619,000 | 86,368,000 | 86,953,000 |
| Total loans | 32,315,000 | 34,092,000 | 33,587,000 | 33,985,000 |
| Allowance for loan losses | 335,000 | 356,000 | 380,000 | 603,000 |
| Securities available for sale | 48,992,000 | 41,074,000 | 32,683,000 | 36,117,000 |
| Securities held to maturity | 320,000 | 319,000 | 319,000 | 318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,213,000 | 63,246,000 | 62,187,000 | 62,848,000 |
| Interest-bearing deposits | 57,331,000 | 57,201,000 | 56,633,000 | 57,718,000 |
| Noninterest-bearing deposits | 6,882,000 | 6,045,000 | 5,554,000 | 5,130,000 |
| Equity capital | 10,262,000 | 10,015,000 | 9,842,000 | 9,764,000 |
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 | 1,158,000 | 2,321,000 | 3,419,000 | 4,435,000 |
| Interest expense | 627,000 | 1,207,000 | 1,767,000 | 2,324,000 |
| Net interest income | 531,000 | 1,114,000 | 1,652,000 | 2,111,000 |
| Noninterest income | 70,000 | 149,000 | 296,000 | 349,000 |
| Noninterest expense | 282,000 | 547,000 | 894,000 | 1,186,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 320,000 |
| Pretax income | 289,000 | 656,000 | 964,000 | 954,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 289,000 | 655,000 | 963,000 | 953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,897,000 | 8,563,000 | 8,752,000 | 8,743,000 |
| Total capital | 9,232,000 | 8,919,000 | 9,132,000 | 9,251,000 |
| Risk-weighted assets | 39,461,000 | 41,183,000 | 40,780,000 | 40,667,000 |