Call reports 2003
MARS BANK — 2003
What MARS 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 | 265,244,000 | 273,721,000 | 274,118,000 | 275,244,000 |
| Total loans | 138,616,000 | 137,525,000 | 136,213,000 | 132,330,000 |
| Allowance for loan losses | 1,065,000 | 1,020,000 | 1,087,000 | 1,209,000 |
| Securities available for sale | 73,499,000 | 76,071,000 | 106,540,000 | 111,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,639,000 | 240,294,000 | 241,577,000 | 242,345,000 |
| Interest-bearing deposits | 188,032,000 | 192,267,000 | 193,935,000 | 193,480,000 |
| Noninterest-bearing deposits | 44,607,000 | 48,028,000 | 47,642,000 | 48,864,000 |
| Equity capital | 31,089,000 | 31,173,000 | 31,169,000 | 30,598,000 |
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 | 3,345,000 | 6,560,000 | 9,665,000 | 12,843,000 |
| Interest expense | 902,000 | 1,823,000 | 2,638,000 | 3,425,000 |
| Net interest income | 2,443,000 | 4,737,000 | 7,027,000 | 9,418,000 |
| Noninterest income | 258,000 | 579,000 | 850,000 | 1,130,000 |
| Noninterest expense | 1,804,000 | 3,600,000 | 5,372,000 | 7,264,000 |
| Provision for loan losses | 180,000 | 270,000 | 360,000 | 450,000 |
| Pretax income | 720,000 | 1,449,000 | 2,149,000 | 2,841,000 |
| Income tax | 154,000 | 314,000 | 468,000 | 625,000 |
| Net income | 566,000 | 1,135,000 | 1,681,000 | 2,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,293,000 | 29,197,000 | 29,747,000 | 29,433,000 |
| Total capital | 30,358,000 | 30,217,000 | 30,834,000 | 30,642,000 |
| Risk-weighted assets | 151,922,000 | 154,573,000 | 154,554,000 | 152,740,000 |