Call reports 2003
SHERMAN COUNTY BANK — 2003
What SHERMAN COUNTY 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 | 80,238,000 | 79,735,000 | 82,667,000 | 84,015,000 |
| Total loans | 48,532,000 | 50,593,000 | 52,449,000 | 52,183,000 |
| Allowance for loan losses | 1,566,000 | 1,635,000 | 1,674,000 | 1,690,000 |
| Securities available for sale | 23,766,000 | 18,866,000 | 21,569,000 | 21,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,728,000 | 55,717,000 | 53,992,000 | 57,043,000 |
| Interest-bearing deposits | 49,316,000 | 50,317,000 | 49,427,000 | 50,364,000 |
| Noninterest-bearing deposits | 5,412,000 | 5,400,000 | 4,565,000 | 6,679,000 |
| Equity capital | 7,368,000 | 7,562,000 | 7,856,000 | 8,074,000 |
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 | 1,255,000 | 2,489,000 | 3,777,000 | 5,003,000 |
| Interest expense | 549,000 | 1,094,000 | 1,637,000 | 2,177,000 |
| Net interest income | 706,000 | 1,395,000 | 2,140,000 | 2,826,000 |
| Noninterest income | 126,000 | 332,000 | 507,000 | 647,000 |
| Noninterest expense | 483,000 | 997,000 | 1,496,000 | 2,050,000 |
| Provision for loan losses | 40,000 | 100,000 | 160,000 | 220,000 |
| Pretax income | 413,000 | 778,000 | 1,180,000 | 1,404,000 |
| Income tax | 119,000 | 182,000 | 259,000 | 288,000 |
| Net income | 294,000 | 596,000 | 921,000 | 1,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,179,000 | 7,270,000 | 7,545,000 | 7,763,000 |
| Total capital | 7,903,000 | 8,001,000 | 8,297,000 | 8,490,000 |
| Risk-weighted assets | 56,387,000 | 56,694,000 | 58,967,000 | 56,666,000 |