Call reports 2003
PEDESTAL BANK — 2003
What PEDESTAL 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 | 105,052,000 | 109,744,000 | 114,517,000 | 114,965,000 |
| Total loans | 73,166,000 | 76,786,000 | 80,028,000 | 82,364,000 |
| Allowance for loan losses | 919,000 | 871,000 | 931,000 | 1,006,000 |
| Securities available for sale | 18,512,000 | 19,872,000 | 20,337,000 | 19,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,192,000 | 96,766,000 | 99,712,000 | 100,215,000 |
| Interest-bearing deposits | 75,605,000 | 76,791,000 | 75,583,000 | 76,676,000 |
| Noninterest-bearing deposits | 16,587,000 | 19,975,000 | 24,129,000 | 23,540,000 |
| Equity capital | 7,905,000 | 8,042,000 | 10,016,000 | 10,085,000 |
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 | 1,569,000 | 3,226,000 | 4,736,000 | 6,414,000 |
| Interest expense | 509,000 | 977,000 | 1,450,000 | 1,868,000 |
| Net interest income | 1,060,000 | 2,249,000 | 3,286,000 | 4,546,000 |
| Noninterest income | 134,000 | 334,000 | 671,000 | 913,000 |
| Noninterest expense | 932,000 | 1,882,000 | 2,994,000 | 4,038,000 |
| Provision for loan losses | 11,000 | 166,000 | 228,000 | 407,000 |
| Pretax income | 273,000 | 582,000 | 782,000 | 1,061,000 |
| Income tax | 93,000 | 198,000 | 266,000 | 361,000 |
| Net income | 180,000 | 384,000 | 516,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,854,000 | 8,008,000 | 9,986,000 | 10,068,000 |
| Total capital | 8,773,000 | 8,879,000 | 10,917,000 | 11,074,000 |
| Risk-weighted assets | 81,252,000 | 86,287,000 | 89,991,000 | 91,744,000 |