Call reports 2003
STATE BANK OF COKATO — 2003
What STATE BANK OF COKATO 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 | 55,333,000 | 56,441,000 | 59,827,000 | 59,825,000 |
| Total loans | 40,208,000 | 43,803,000 | 44,774,000 | 47,544,000 |
| Allowance for loan losses | 742,000 | 792,000 | 746,000 | 717,000 |
| Securities available for sale | 7,916,000 | 6,858,000 | 6,910,000 | 6,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,498,000 | 45,564,000 | 47,704,000 | 46,795,000 |
| Interest-bearing deposits | 37,185,000 | 37,787,000 | 38,098,000 | 37,512,000 |
| Noninterest-bearing deposits | 7,313,000 | 7,777,000 | 9,606,000 | 9,282,000 |
| Equity capital | 4,711,000 | 4,751,000 | 4,963,000 | 4,736,000 |
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 | 923,000 | 1,896,000 | 2,867,000 | 3,827,000 |
| Interest expense | 292,000 | 562,000 | 824,000 | 1,083,000 |
| Net interest income | 631,000 | 1,334,000 | 2,043,000 | 2,744,000 |
| Noninterest income | 174,000 | 376,000 | 574,000 | 753,000 |
| Noninterest expense | 579,000 | 1,155,000 | 1,751,000 | 2,396,000 |
| Provision for loan losses | 30,000 | 100,000 | 170,000 | 290,000 |
| Pretax income | 224,000 | 491,000 | 738,000 | 867,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 224,000 | 491,000 | 738,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,670,000 | 4,701,000 | 4,948,000 | 4,734,000 |
| Total capital | 5,195,000 | 5,274,000 | 5,535,000 | 5,332,000 |
| Risk-weighted assets | 41,746,000 | 45,631,000 | 46,810,000 | 48,436,000 |