Call reports 2003
STRASBURG STATE BANK — 2003
What STRASBURG 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 | 43,831,000 | 43,444,000 | 43,436,000 | 41,895,000 |
| Total loans | 24,792,000 | 26,067,000 | 25,537,000 | 24,130,000 |
| Allowance for loan losses | 432,000 | 353,000 | 362,000 | 321,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,032,000 | 12,454,000 | 12,101,000 | 13,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,070,000 | 38,623,000 | 38,629,000 | 37,226,000 |
| Interest-bearing deposits | 35,975,000 | 35,445,000 | 34,665,000 | 33,452,000 |
| Noninterest-bearing deposits | 3,095,000 | 3,178,000 | 3,964,000 | 3,774,000 |
| Equity capital | 4,077,000 | 4,199,000 | 4,177,000 | 4,256,000 |
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 | 656,000 | 1,266,000 | 1,848,000 | 2,412,000 |
| Interest expense | 208,000 | 401,000 | 565,000 | 707,000 |
| Net interest income | 448,000 | 865,000 | 1,283,000 | 1,705,000 |
| Noninterest income | 11,000 | 39,000 | 64,000 | 90,000 |
| Noninterest expense | 259,000 | 511,000 | 760,000 | 1,060,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 125,000 |
| Pretax income | 175,000 | 343,000 | 512,000 | 610,000 |
| Income tax | 50,000 | 96,000 | 140,000 | 159,000 |
| Net income | 125,000 | 247,000 | 372,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,077,000 | 4,199,000 | 4,177,000 | 4,256,000 |
| Total capital | 4,501,000 | 4,552,000 | 4,539,000 | 4,577,000 |
| Risk-weighted assets | 33,898,000 | 35,515,000 | 35,894,000 | 34,413,000 |