Call reports 2003
FORD COUNTY STATE BANK — 2003
What FORD COUNTY 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 | 19,451,000 | 19,845,000 | 22,135,000 | 26,545,000 |
| Total loans | 12,102,000 | 12,196,000 | 11,730,000 | 12,798,000 |
| Allowance for loan losses | 231,000 | 214,000 | 214,000 | 257,000 |
| Securities available for sale | 3,236,000 | 3,159,000 | 3,463,000 | 7,378,000 |
| Securities held to maturity | 59,000 | 56,000 | 49,000 | 27,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,820,000 | 17,175,000 | 19,479,000 | 23,900,000 |
| Interest-bearing deposits | 13,927,000 | 14,454,000 | 16,592,000 | 20,569,000 |
| Noninterest-bearing deposits | 2,893,000 | 2,721,000 | 2,887,000 | 3,331,000 |
| Equity capital | 2,496,000 | 2,558,000 | 2,580,000 | 2,586,000 |
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 | 210,000 | 459,000 | 698,000 | 941,000 |
| Interest expense | 70,000 | 137,000 | 205,000 | 274,000 |
| Net interest income | 140,000 | 322,000 | 493,000 | 667,000 |
| Noninterest income | 28,000 | 51,000 | 73,000 | 95,000 |
| Noninterest expense | 161,000 | 295,000 | 444,000 | 584,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 7,000 | 78,000 | 122,000 | 128,000 |
| Income tax | 18,000 | 39,000 | 30,000 | 31,000 |
| Net income | -11,000 | 39,000 | 92,000 | 97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,446,000 | 2,496,000 | 2,549,000 | 2,554,000 |
| Total capital | 2,625,000 | 2,677,000 | 2,730,000 | 2,749,000 |
| Risk-weighted assets | 14,244,000 | 14,440,000 | 14,448,000 | 15,540,000 |