Call reports 2003
STATE BANK OF DRUMMOND — 2003
What STATE BANK OF DRUMMOND 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 | 32,890,000 | 33,357,000 | 34,480,000 | 34,777,000 |
| Total loans | 17,962,000 | 18,150,000 | 17,680,000 | 18,300,000 |
| Allowance for loan losses | 307,000 | 304,000 | 301,000 | 300,000 |
| Securities available for sale | 7,311,000 | 6,154,000 | 8,722,000 | 9,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,276,000 | 28,620,000 | 29,700,000 | 29,938,000 |
| Interest-bearing deposits | 24,033,000 | 24,385,000 | 24,578,000 | 24,997,000 |
| Noninterest-bearing deposits | 4,244,000 | 4,235,000 | 5,122,000 | 4,941,000 |
| Equity capital | 4,455,000 | 4,537,000 | 4,595,000 | 4,492,000 |
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 | 429,000 | 855,000 | 1,271,000 | 1,697,000 |
| Interest expense | 113,000 | 223,000 | 324,000 | 419,000 |
| Net interest income | 316,000 | 632,000 | 947,000 | 1,278,000 |
| Noninterest income | 64,000 | 129,000 | 197,000 | 254,000 |
| Noninterest expense | 299,000 | 582,000 | 873,000 | 1,343,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 81,000 | 179,000 | 271,000 | 189,000 |
| Income tax | 5,000 | 15,000 | 26,000 | -24,000 |
| Net income | 76,000 | 164,000 | 245,000 | 213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,289,000 | 4,351,000 | 4,432,000 | 4,354,000 |
| Total capital | 4,530,000 | 4,600,000 | 4,660,000 | 4,583,000 |
| Risk-weighted assets | 19,212,000 | 19,826,000 | 18,173,000 | 18,269,000 |