Call reports 2003
ELKVILLE STATE BANK — 2003
What ELKVILLE 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 | 16,980,000 | 18,805,000 | 17,499,000 | 16,934,000 |
| Total loans | 2,646,000 | 2,450,000 | 2,146,000 | 2,537,000 |
| Allowance for loan losses | 107,000 | 94,000 | 94,000 | 95,000 |
| Securities available for sale | 13,211,000 | 9,593,000 | 14,188,000 | 13,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,024,000 | 15,779,000 | 14,564,000 | 14,241,000 |
| Interest-bearing deposits | 11,867,000 | 12,092,000 | 12,350,000 | 11,881,000 |
| Noninterest-bearing deposits | 2,157,000 | 3,687,000 | 2,214,000 | 2,360,000 |
| Equity capital | 2,863,000 | 2,936,000 | 2,900,000 | 2,661,000 |
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 | 190,000 | 373,000 | 562,000 | 760,000 |
| Interest expense | 63,000 | 120,000 | 179,000 | 233,000 |
| Net interest income | 127,000 | 253,000 | 383,000 | 527,000 |
| Noninterest income | 22,000 | 37,000 | 50,000 | 64,000 |
| Noninterest expense | 84,000 | 148,000 | 208,000 | 433,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 65,000 | 142,000 | 225,000 | 152,000 |
| Income tax | 0 | 6,000 | 12,000 | 22,000 |
| Net income | 65,000 | 136,000 | 213,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,768,000 | 2,836,000 | 2,913,000 | 2,818,000 |
| Total capital | 2,837,000 | 2,907,000 | 2,980,000 | 2,889,000 |
| Risk-weighted assets | 5,492,000 | 5,667,000 | 5,298,000 | 5,628,000 |