Call reports 2003
BLUFF VIEW BANK — 2003
What BLUFF VIEW 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 | 58,252,000 | 60,681,000 | 56,975,000 | 59,535,000 |
| Total loans | 40,154,000 | 41,719,000 | 42,912,000 | 45,177,000 |
| Allowance for loan losses | 536,000 | 534,000 | 518,000 | 587,000 |
| Securities available for sale | 7,651,000 | 7,023,000 | 9,113,000 | 8,457,000 |
| Securities held to maturity | 345,000 | 150,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,622,000 | 52,783,000 | 49,857,000 | 50,909,000 |
| Interest-bearing deposits | 42,041,000 | 41,655,000 | 42,446,000 | 42,330,000 |
| Noninterest-bearing deposits | 9,581,000 | 11,128,000 | 7,411,000 | 8,579,000 |
| Equity capital | 5,051,000 | 5,311,000 | 5,358,000 | 5,573,000 |
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 | 974,000 | 1,975,000 | 3,061,000 | 3,473,000 |
| Interest expense | 304,000 | 602,000 | 883,000 | 1,150,000 |
| Net interest income | 670,000 | 1,373,000 | 2,178,000 | 2,323,000 |
| Noninterest income | 116,000 | 242,000 | 298,000 | 985,000 |
| Noninterest expense | 448,000 | 898,000 | 1,436,000 | 1,951,000 |
| Provision for loan losses | 27,000 | 54,000 | 83,000 | 184,000 |
| Pretax income | 311,000 | 663,000 | 955,000 | 1,171,000 |
| Income tax | 0 | 1,000 | 1,000 | 2,000 |
| Net income | 311,000 | 662,000 | 954,000 | 1,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,905,000 | 5,087,000 | 5,289,000 | 5,472,000 |
| Total capital | 5,407,000 | 5,614,000 | 5,807,000 | 6,034,000 |
| Risk-weighted assets | 40,144,000 | 42,163,000 | 43,435,000 | 44,958,000 |