Call reports 2003
ERIE STATE BANK — 2003
What ERIE 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 | 21,122,000 | 19,830,000 | 19,495,000 | 19,227,000 |
| Total loans | 13,368,000 | 12,509,000 | 13,615,000 | 12,936,000 |
| Allowance for loan losses | 166,000 | 172,000 | 171,000 | 145,000 |
| Securities available for sale | 1,026,000 | 1,021,000 | 1,013,000 | 1,006,000 |
| Securities held to maturity | 3,607,000 | 2,787,000 | 2,716,000 | 2,332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,602,000 | 17,340,000 | 16,982,000 | 16,681,000 |
| Interest-bearing deposits | 16,004,000 | 15,682,000 | 15,413,000 | 15,106,000 |
| Noninterest-bearing deposits | 1,598,000 | 1,658,000 | 1,569,000 | 1,575,000 |
| Equity capital | 2,456,000 | 2,435,000 | 2,460,000 | 2,500,000 |
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 | 320,000 | 613,000 | 894,000 | 1,177,000 |
| Interest expense | 104,000 | 199,000 | 285,000 | 358,000 |
| Net interest income | 216,000 | 414,000 | 609,000 | 819,000 |
| Noninterest income | 8,000 | 17,000 | 24,000 | 31,000 |
| Noninterest expense | 113,000 | 231,000 | 345,000 | 461,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 74,000 |
| Pretax income | 105,000 | 188,000 | 270,000 | 315,000 |
| Income tax | -1,000 | -1,000 | -1,000 | -1,000 |
| Net income | 106,000 | 189,000 | 271,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,435,000 | 2,418,000 | 2,450,000 | 2,495,000 |
| Total capital | 2,601,000 | 2,575,000 | 2,608,000 | 2,640,000 |
| Risk-weighted assets | 13,264,000 | 12,511,000 | 12,605,000 | 12,083,000 |