Call reports 2003
SAND RIDGE BANK — 2003
What SAND RIDGE 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 | 836,506,000 | 857,585,000 | 891,613,000 | 875,843,000 |
| Total loans | 524,297,000 | 535,461,000 | 551,288,000 | 560,330,000 |
| Allowance for loan losses | 8,273,000 | 8,293,000 | 8,250,000 | 8,413,000 |
| Securities available for sale | 219,102,000 | 242,646,000 | 256,324,000 | 232,987,000 |
| Securities held to maturity | 11,074,000 | 11,631,000 | 10,994,000 | 10,878,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 661,046,000 | 679,343,000 | 698,619,000 | 685,477,000 |
| Interest-bearing deposits | 568,440,000 | 582,745,000 | 601,093,000 | 580,856,000 |
| Noninterest-bearing deposits | 92,606,000 | 96,598,000 | 97,526,000 | 104,621,000 |
| Equity capital | 75,496,000 | 76,538,000 | 63,117,000 | 65,203,000 |
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 | 11,701,000 | 23,201,000 | 34,452,000 | 44,973,000 |
| Interest expense | 3,989,000 | 7,872,000 | 11,588,000 | 15,262,000 |
| Net interest income | 7,712,000 | 15,329,000 | 22,864,000 | 29,711,000 |
| Noninterest income | 2,412,000 | 5,203,000 | 7,700,000 | 10,119,000 |
| Noninterest expense | 5,610,000 | 11,829,000 | 17,566,000 | 23,520,000 |
| Provision for loan losses | 0 | 100,000 | 250,000 | 1,010,000 |
| Pretax income | 4,525,000 | 8,634,000 | 12,792,000 | 15,343,000 |
| Income tax | 1,503,000 | 2,783,000 | 4,032,000 | 4,581,000 |
| Net income | 3,022,000 | 5,851,000 | 8,760,000 | 10,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,668,000 | 70,446,000 | 59,251,000 | 61,259,000 |
| Total capital | 77,001,000 | 76,930,000 | 65,757,000 | 67,887,000 |
| Risk-weighted assets | 504,683,000 | 516,916,000 | 527,484,000 | 528,480,000 |