Call reports 2003
STATE BANK OF CONWAY SPRINGS — 2003
What STATE BANK OF CONWAY SPRINGS 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 | 15,470,000 | 15,874,000 | 15,878,000 | 16,880,000 |
| Total loans | 6,824,000 | 6,778,000 | 6,767,000 | 6,603,000 |
| Allowance for loan losses | 278,000 | 290,000 | 270,000 | 282,000 |
| Securities available for sale | 6,198,000 | 6,352,000 | 7,147,000 | 8,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,453,000 | 13,927,000 | 13,648,000 | 13,617,000 |
| Interest-bearing deposits | 11,528,000 | 12,387,000 | 11,688,000 | 11,798,000 |
| Noninterest-bearing deposits | 1,925,000 | 1,540,000 | 1,960,000 | 1,819,000 |
| Equity capital | 1,687,000 | 1,610,000 | 1,546,000 | 1,574,000 |
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 | 184,000 | 351,000 | 526,000 | 753,000 |
| Interest expense | 72,000 | 140,000 | 205,000 | 267,000 |
| Net interest income | 112,000 | 211,000 | 321,000 | 486,000 |
| Noninterest income | 27,000 | 60,000 | 100,000 | 125,000 |
| Noninterest expense | 178,000 | 367,000 | 549,000 | 724,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | -47,000 | -111,000 | -140,000 | -133,000 |
| Income tax | -1,000 | 0 | 0 | 0 |
| Net income | -46,000 | -111,000 | -140,000 | -133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,622,000 | 1,560,000 | 1,531,000 | 1,538,000 |
| Total capital | 1,731,000 | 1,669,000 | 1,635,000 | 1,647,000 |
| Risk-weighted assets | 8,555,000 | 8,568,000 | 8,155,000 | 8,538,000 |