Call reports 2003
FSB BANK — 2003
What FSB 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 | 123,530,000 | 125,442,000 | 123,679,000 | 127,363,000 |
| Total loans | 91,835,000 | 92,637,000 | 94,320,000 | 92,208,000 |
| Allowance for loan losses | 1,838,000 | 1,902,000 | 1,929,000 | 2,211,000 |
| Securities available for sale | 16,565,000 | 19,544,000 | 19,515,000 | 20,173,000 |
| Securities held to maturity | 545,000 | 111,000 | 95,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,259,000 | 106,259,000 | 105,000,000 | 108,043,000 |
| Interest-bearing deposits | 94,065,000 | 95,928,000 | 93,947,000 | 95,972,000 |
| Noninterest-bearing deposits | 10,194,000 | 10,331,000 | 11,053,000 | 12,071,000 |
| Equity capital | 12,510,000 | 12,851,000 | 12,643,000 | 12,428,000 |
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 | 2,004,000 | 3,994,000 | 5,944,000 | 7,832,000 |
| Interest expense | 721,000 | 1,429,000 | 2,130,000 | 2,792,000 |
| Net interest income | 1,283,000 | 2,565,000 | 3,814,000 | 5,040,000 |
| Noninterest income | 280,000 | 558,000 | 853,000 | 1,100,000 |
| Noninterest expense | 942,000 | 1,872,000 | 2,875,000 | 3,883,000 |
| Provision for loan losses | 75,000 | 170,000 | 255,000 | 885,000 |
| Pretax income | 546,000 | 1,081,000 | 1,537,000 | 1,372,000 |
| Income tax | 160,000 | 325,000 | 457,000 | 364,000 |
| Net income | 386,000 | 756,000 | 1,080,000 | 1,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,197,000 | 12,392,000 | 12,366,000 | 12,144,000 |
| Total capital | 13,327,000 | 13,521,000 | 13,531,000 | 13,296,000 |
| Risk-weighted assets | 89,718,000 | 89,513,000 | 92,450,000 | 91,150,000 |