Call reports 2003
DEDICATED COMMUNITY BANK — 2003
What DEDICATED COMMUNITY 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 | 31,705,000 | 32,335,000 | 36,474,000 | 35,622,000 |
| Total loans | 18,856,000 | 19,542,000 | 20,656,000 | 20,544,000 |
| Allowance for loan losses | 195,000 | 185,000 | 196,000 | 214,000 |
| Securities available for sale | 5,341,000 | 7,995,000 | 8,349,000 | 11,064,000 |
| Securities held to maturity | 641,000 | 561,000 | 86,000 | 85,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,705,000 | 28,322,000 | 32,511,000 | 31,569,000 |
| Interest-bearing deposits | 22,811,000 | 23,626,000 | 27,157,000 | 25,175,000 |
| Noninterest-bearing deposits | 4,894,000 | 4,696,000 | 5,354,000 | 6,394,000 |
| Equity capital | 3,850,000 | 3,910,000 | 3,798,000 | 3,943,000 |
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 | 432,000 | 867,000 | 1,320,000 | 1,778,000 |
| Interest expense | 93,000 | 186,000 | 285,000 | 375,000 |
| Net interest income | 339,000 | 681,000 | 1,035,000 | 1,403,000 |
| Noninterest income | 86,000 | 173,000 | 258,000 | 331,000 |
| Noninterest expense | 321,000 | 633,000 | 958,000 | 1,258,000 |
| Provision for loan losses | 18,000 | 42,000 | 72,000 | 108,000 |
| Pretax income | 86,000 | 199,000 | 283,000 | 393,000 |
| Income tax | 28,000 | 65,000 | 94,000 | 139,000 |
| Net income | 58,000 | 134,000 | 189,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,778,000 | 3,855,000 | 3,910,000 | 3,976,000 |
| Total capital | 3,973,000 | 4,040,000 | 4,106,000 | 4,190,000 |
| Risk-weighted assets | 21,189,000 | 21,573,000 | 24,030,000 | 23,950,000 |