Call reports 2003
EUDORA BANK, THE — 2003
What EUDORA BANK, THE 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 | 29,716,000 | 30,200,000 | 30,930,000 | 32,319,000 |
| Total loans | 14,799,000 | 17,488,000 | 16,535,000 | 14,397,000 |
| Allowance for loan losses | 254,000 | 245,000 | 234,000 | 267,000 |
| Securities available for sale | 10,389,000 | 9,512,000 | 10,774,000 | 14,446,000 |
| Securities held to maturity | 225,000 | 225,000 | 325,000 | 315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,806,000 | 27,051,000 | 27,812,000 | 28,985,000 |
| Interest-bearing deposits | 22,881,000 | 23,708,000 | 24,222,000 | 25,274,000 |
| Noninterest-bearing deposits | 3,925,000 | 3,343,000 | 3,590,000 | 3,711,000 |
| Equity capital | 2,759,000 | 2,914,000 | 2,912,000 | 2,603,000 |
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 | 441,000 | 907,000 | 1,411,000 | 1,866,000 |
| Interest expense | 131,000 | 263,000 | 397,000 | 530,000 |
| Net interest income | 310,000 | 644,000 | 1,014,000 | 1,336,000 |
| Noninterest income | 49,000 | 89,000 | 131,000 | 177,000 |
| Noninterest expense | 271,000 | 536,000 | 789,000 | 1,078,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 82,000 | 209,000 | 374,000 | 425,000 |
| Income tax | 12,000 | 51,000 | 107,000 | 120,000 |
| Net income | 70,000 | 158,000 | 267,000 | 305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,658,000 | 2,746,000 | 2,855,000 | 2,623,000 |
| Total capital | 2,912,000 | 2,991,000 | 3,089,000 | 2,859,000 |
| Risk-weighted assets | 19,999,000 | 20,991,000 | 20,337,000 | 18,844,000 |
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