Call reports 2003
BORDER STATE BANK — 2003
What BORDER 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 |
|---|---|---|
| Total assets | 76,987,000 | 77,709,000 |
| Total loans | 59,166,000 | 63,367,000 |
| Allowance for loan losses | 656,000 | 626,000 |
| Securities available for sale | 6,095,000 | 6,046,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 63,515,000 | 64,916,000 |
| Interest-bearing deposits | 52,756,000 | 52,913,000 |
| Noninterest-bearing deposits | 10,759,000 | 12,003,000 |
| Equity capital | 6,004,000 | 6,254,000 |
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 |
|---|---|---|
| Interest income | 1,278,000 | 2,598,000 |
| Interest expense | 384,000 | 749,000 |
| Net interest income | 894,000 | 1,849,000 |
| Noninterest income | 221,000 | 420,000 |
| Noninterest expense | 725,000 | 1,408,000 |
| Provision for loan losses | 60,000 | 90,000 |
| Pretax income | 330,000 | 771,000 |
| Income tax | 131,000 | 312,000 |
| Net income | 199,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Tier 1 capital | 5,897,000 | 6,158,000 |
| Total capital | 6,553,000 | 6,784,000 |
| Risk-weighted assets | 59,035,000 | 62,351,000 |