Call reports 2003
FEATHER RIVER STATE BANK — 2003
What FEATHER RIVER 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 | 362,096,000 | 377,242,000 | 375,609,000 | 400,815,000 |
| Total loans | 202,665,000 | 205,208,000 | 204,391,000 | 202,020,000 |
| Allowance for loan losses | 5,938,000 | 5,963,000 | 5,975,000 | 4,511,000 |
| Securities available for sale | 113,779,000 | 137,140,000 | 116,880,000 | 136,888,000 |
| Securities held to maturity | 2,440,000 | 2,440,000 | 2,440,000 | 3,795,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,501,000 | 315,636,000 | 321,420,000 | 347,892,000 |
| Interest-bearing deposits | 236,330,000 | 239,767,000 | 241,411,000 | 252,082,000 |
| Noninterest-bearing deposits | 73,171,000 | 75,869,000 | 80,009,000 | 95,810,000 |
| Equity capital | 31,786,000 | 32,617,000 | 32,102,000 | 32,043,000 |
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 | 5,340,000 | 10,350,000 | 15,226,000 | 20,017,000 |
| Interest expense | 1,272,000 | 2,518,000 | 3,708,000 | 4,877,000 |
| Net interest income | 4,068,000 | 7,832,000 | 11,518,000 | 15,140,000 |
| Noninterest income | 819,000 | 1,416,000 | 2,332,000 | 2,838,000 |
| Noninterest expense | 2,856,000 | 5,687,000 | 8,519,000 | 12,447,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | -690,000 |
| Pretax income | 2,021,000 | 3,551,000 | 5,321,000 | 6,221,000 |
| Income tax | 745,000 | 1,292,000 | 1,929,000 | 2,211,000 |
| Net income | 1,276,000 | 2,259,000 | 3,392,000 | 4,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,911,000 | 31,617,000 | 32,001,000 | 31,845,000 |
| Total capital | 34,292,000 | 35,041,000 | 35,501,000 | 35,334,000 |
| Risk-weighted assets | 267,953,000 | 271,375,000 | 277,485,000 | 278,030,000 |