Call reports 2003
GLASGOW SAVINGS BANK — 2003
What GLASGOW SAVINGS 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 | 32,939,000 | 31,434,000 | 31,411,000 | 30,021,000 |
| Total loans | 13,548,000 | 13,232,000 | 13,357,000 | 13,938,000 |
| Allowance for loan losses | 261,000 | 270,000 | 271,000 | 273,000 |
| Securities available for sale | 13,902,000 | 15,063,000 | 14,855,000 | 13,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,302,000 | 26,839,000 | 26,888,000 | 26,215,000 |
| Interest-bearing deposits | 24,439,000 | 23,610,000 | 23,556,000 | 22,785,000 |
| Noninterest-bearing deposits | 3,863,000 | 3,229,000 | 3,332,000 | 3,430,000 |
| Equity capital | 4,416,000 | 4,370,000 | 4,356,000 | 3,199,000 |
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 | 410,000 | 806,000 | 1,188,000 | 1,561,000 |
| Interest expense | 116,000 | 223,000 | 313,000 | 395,000 |
| Net interest income | 294,000 | 583,000 | 875,000 | 1,166,000 |
| Noninterest income | 16,000 | 31,000 | 57,000 | 80,000 |
| Noninterest expense | 168,000 | 336,000 | 507,000 | 685,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 33,000 |
| Pretax income | 133,000 | 260,000 | 398,000 | 542,000 |
| Income tax | 46,000 | 91,000 | 140,000 | 191,000 |
| Net income | 87,000 | 169,000 | 258,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,122,000 | 4,004,000 | 4,093,000 | 2,986,000 |
| Total capital | 4,383,000 | 4,265,000 | 4,357,000 | 3,245,000 |
| Risk-weighted assets | 21,398,000 | 20,891,000 | 21,094,000 | 20,679,000 |