Call reports 2003
SILVER LAKE BANK — 2003
What SILVER LAKE 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 | 143,069,000 | 140,512,000 | 148,236,000 | 147,528,000 |
| Total loans | 106,124,000 | 107,522,000 | 115,648,000 | 118,251,000 |
| Allowance for loan losses | 532,000 | 557,000 | 569,000 | 592,000 |
| Securities available for sale | 5,631,000 | 6,311,000 | 6,279,000 | 9,663,000 |
| Securities held to maturity | 12,244,000 | 9,539,000 | 7,596,000 | 5,787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,779,000 | 121,921,000 | 129,570,000 | 128,421,000 |
| Interest-bearing deposits | 111,490,000 | 108,957,000 | 115,552,000 | 112,529,000 |
| Noninterest-bearing deposits | 11,289,000 | 12,964,000 | 14,018,000 | 15,892,000 |
| Equity capital | 12,874,000 | 13,217,000 | 13,459,000 | 13,865,000 |
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 | 1,886,000 | 3,802,000 | 5,748,000 | 7,653,000 |
| Interest expense | 702,000 | 1,391,000 | 2,034,000 | 2,610,000 |
| Net interest income | 1,184,000 | 2,411,000 | 3,714,000 | 5,043,000 |
| Noninterest income | 146,000 | 311,000 | 469,000 | 623,000 |
| Noninterest expense | 944,000 | 1,853,000 | 2,836,000 | 3,754,000 |
| Provision for loan losses | 10,000 | 32,000 | 52,000 | 72,000 |
| Pretax income | 376,000 | 837,000 | 1,295,000 | 1,840,000 |
| Income tax | 155,000 | 312,000 | 486,000 | 628,000 |
| Net income | 221,000 | 525,000 | 809,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,784,000 | 13,092,000 | 13,379,000 | 13,784,000 |
| Total capital | 13,316,000 | 13,649,000 | 13,948,000 | 14,376,000 |
| Risk-weighted assets | 116,190,000 | 116,256,000 | 123,510,000 | 123,837,000 |