Call reports 2003
SMITH COUNTY STATE BANK AND TRUST COMPANY, THE — 2003
What SMITH COUNTY STATE BANK AND TRUST COMPANY, THE 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 | 61,541,000 | 60,665,000 | 62,071,000 | 62,932,000 |
| Total loans | 24,695,000 | 24,325,000 | 21,653,000 | 24,521,000 |
| Allowance for loan losses | 524,000 | 530,000 | 530,000 | 532,000 |
| Securities available for sale | 8,798,000 | 7,818,000 | 7,320,000 | 6,390,000 |
| Securities held to maturity | 21,929,000 | 21,558,000 | 24,407,000 | 24,961,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,187,000 | 53,242,000 | 54,723,000 | 55,685,000 |
| Interest-bearing deposits | 49,626,000 | 49,047,000 | 48,831,000 | 49,957,000 |
| Noninterest-bearing deposits | 4,561,000 | 4,195,000 | 5,892,000 | 5,728,000 |
| Equity capital | 7,069,000 | 7,060,000 | 6,916,000 | 7,059,000 |
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 | 808,000 | 1,567,000 | 2,263,000 | 2,962,000 |
| Interest expense | 322,000 | 616,000 | 887,000 | 1,140,000 |
| Net interest income | 486,000 | 951,000 | 1,376,000 | 1,822,000 |
| Noninterest income | 350,000 | 737,000 | 1,056,000 | 1,522,000 |
| Noninterest expense | 648,000 | 1,303,000 | 1,979,000 | 2,693,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 182,000 | 373,000 | 435,000 | 627,000 |
| Income tax | 10,000 | 19,000 | 27,000 | 28,000 |
| Net income | 172,000 | 354,000 | 411,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,821,000 | 6,858,000 | 6,790,000 | 6,916,000 |
| Total capital | 7,199,000 | 7,233,000 | 7,152,000 | 7,297,000 |
| Risk-weighted assets | 30,124,000 | 29,854,000 | 28,784,000 | 30,317,000 |