Call reports 2003
FREEDOM STATE BANK, THE — 2003
What FREEDOM STATE BANK, 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 | 12,599,000 | 13,062,000 | 12,912,000 | 13,278,000 |
| Total loans | 6,288,000 | 6,569,000 | 6,376,000 | 6,297,000 |
| Allowance for loan losses | 138,000 | 143,000 | 141,000 | 135,000 |
| Securities available for sale | 980,000 | 972,000 | 965,000 | 963,000 |
| Securities held to maturity | 1,497,000 | 1,498,000 | 1,298,000 | 1,572,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,451,000 | 11,901,000 | 11,752,000 | 12,127,000 |
| Interest-bearing deposits | 10,205,000 | 10,064,000 | 10,178,000 | 9,969,000 |
| Noninterest-bearing deposits | 1,246,000 | 1,837,000 | 1,574,000 | 2,158,000 |
| Equity capital | 1,115,000 | 1,128,000 | 1,128,000 | 1,124,000 |
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 | 161,000 | 322,000 | 480,000 | 635,000 |
| Interest expense | 50,000 | 97,000 | 145,000 | 186,000 |
| Net interest income | 111,000 | 225,000 | 335,000 | 449,000 |
| Noninterest income | 16,000 | 33,000 | 51,000 | 68,000 |
| Noninterest expense | 107,000 | 215,000 | 325,000 | 451,000 |
| Provision for loan losses | 0 | 3,000 | 13,000 | 13,000 |
| Pretax income | 20,000 | 40,000 | 48,000 | 53,000 |
| Income tax | 2,000 | 4,000 | 8,000 | 9,000 |
| Net income | 18,000 | 36,000 | 40,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,105,000 | 1,123,000 | 1,127,000 | 1,117,000 |
| Total capital | 1,194,000 | 1,215,000 | 1,217,000 | 1,209,000 |
| Risk-weighted assets | 7,045,000 | 7,279,000 | 7,133,000 | 7,342,000 |
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