Call reports 2003
STATE BANK OF PEARL CITY, THE — 2003
What STATE BANK OF PEARL CITY, 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 | 35,655,000 | 36,435,000 | 34,546,000 | 34,790,000 |
| Total loans | 18,083,000 | 17,364,000 | 16,940,000 | 16,169,000 |
| Allowance for loan losses | 282,000 | 298,000 | 298,000 | 248,000 |
| Securities available for sale | 11,918,000 | 12,990,000 | 14,878,000 | 15,128,000 |
| Securities held to maturity | 193,000 | 194,000 | 152,000 | 152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,362,000 | 32,077,000 | 30,737,000 | 30,969,000 |
| Interest-bearing deposits | 28,264,000 | 28,412,000 | 27,574,000 | 27,842,000 |
| Noninterest-bearing deposits | 3,098,000 | 3,665,000 | 3,163,000 | 3,127,000 |
| Equity capital | 4,098,000 | 4,184,000 | 3,621,000 | 3,674,000 |
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 | 516,000 | 1,022,000 | 1,528,000 | 2,013,000 |
| Interest expense | 208,000 | 405,000 | 579,000 | 746,000 |
| Net interest income | 308,000 | 617,000 | 949,000 | 1,267,000 |
| Noninterest income | 14,000 | 29,000 | 19,000 | 33,000 |
| Noninterest expense | 197,000 | 396,000 | 607,000 | 810,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 68,000 |
| Pretax income | 109,000 | 222,000 | 311,000 | 437,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 109,000 | 222,000 | 311,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,009,000 | 4,035,000 | 4,088,000 | 4,045,000 |
| Total capital | 4,291,000 | 4,333,000 | 4,316,000 | 4,271,000 |
| Risk-weighted assets | 35,957,000 | 36,753,000 | 18,106,000 | 18,062,000 |