Call reports 2003
SIDELL STATE BANK — 2003
What SIDELL STATE 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 | 15,215,000 | 16,505,000 | 14,032,000 | 13,727,000 |
| Total loans | 6,573,000 | 6,316,000 | 6,852,000 | 6,423,000 |
| Allowance for loan losses | 104,000 | 107,000 | 109,000 | 100,000 |
| Securities available for sale | 3,716,000 | 3,610,000 | 3,526,000 | 3,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,534,000 | 14,788,000 | 11,952,000 | 12,079,000 |
| Interest-bearing deposits | 11,128,000 | 12,589,000 | 9,680,000 | 9,910,000 |
| Noninterest-bearing deposits | 2,406,000 | 2,199,000 | 2,272,000 | 2,169,000 |
| Equity capital | 1,607,000 | 1,628,000 | 1,633,000 | 1,602,000 |
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 | 180,000 | 356,000 | 532,000 | 702,000 |
| Interest expense | 50,000 | 94,000 | 134,000 | 167,000 |
| Net interest income | 130,000 | 262,000 | 398,000 | 535,000 |
| Noninterest income | 15,000 | 39,000 | 62,000 | 81,000 |
| Noninterest expense | 127,000 | 261,000 | 390,000 | 515,000 |
| Provision for loan losses | 4,000 | 7,000 | 9,000 | 0 |
| Pretax income | 28,000 | 47,000 | 81,000 | 127,000 |
| Income tax | 3,000 | 3,000 | 16,000 | 30,000 |
| Net income | 25,000 | 44,000 | 65,000 | 97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,569,000 | 1,589,000 | 1,610,000 | 1,592,000 |
| Total capital | 1,673,000 | 1,696,000 | 1,719,000 | 1,692,000 |
| Risk-weighted assets | 12,968,000 | 14,265,000 | 11,664,000 | 11,352,000 |