Call reports 2003
RANCHERS BANKS — 2003
What RANCHERS BANKS 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 | 124,732,000 | 117,273,000 | 113,040,000 | 124,102,000 |
| Total loans | 56,493,000 | 54,694,000 | 55,866,000 | 55,441,000 |
| Allowance for loan losses | 2,877,000 | 2,803,000 | 2,555,000 | 2,840,000 |
| Securities available for sale | 53,511,000 | 54,073,000 | 47,381,000 | 52,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,482,000 | 102,380,000 | 98,711,000 | 109,462,000 |
| Interest-bearing deposits | 88,286,000 | 81,625,000 | 77,253,000 | 87,522,000 |
| Noninterest-bearing deposits | 21,196,000 | 20,755,000 | 21,459,000 | 21,940,000 |
| Equity capital | 14,678,000 | 14,255,000 | 13,719,000 | 13,950,000 |
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 | 1,355,000 | 2,831,000 | 4,073,000 | 5,365,000 |
| Interest expense | 366,000 | 703,000 | 1,004,000 | 1,301,000 |
| Net interest income | 989,000 | 2,128,000 | 3,069,000 | 4,064,000 |
| Noninterest income | 231,000 | 437,000 | 615,000 | 789,000 |
| Noninterest expense | 1,677,000 | 3,179,000 | 4,760,000 | 5,812,000 |
| Provision for loan losses | 150,000 | 300,000 | 441,000 | 758,000 |
| Pretax income | -462,000 | -769,000 | -1,356,000 | -1,547,000 |
| Income tax | -75,000 | -112,000 | -235,000 | -503,000 |
| Net income | -387,000 | -657,000 | -1,121,000 | -1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,320,000 | 14,050,000 | 13,585,000 | 12,791,000 |
| Total capital | 15,294,000 | 14,954,000 | 14,461,000 | 13,704,000 |
| Risk-weighted assets | 75,988,000 | 70,397,000 | 68,160,000 | 71,124,000 |