Call reports 2003
STONE COUNTY NATIONAL BANK — 2003
What STONE COUNTY NATIONAL 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 | 73,080,000 | 71,125,000 | 71,561,000 | 69,388,000 |
| Total loans | 30,569,000 | 31,189,000 | 32,755,000 | 32,666,000 |
| Allowance for loan losses | 440,000 | 437,000 | 423,000 | 428,000 |
| Securities available for sale | 37,761,000 | 35,542,000 | 34,942,000 | 32,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,883,000 | 63,180,000 | 61,001,000 | 60,389,000 |
| Interest-bearing deposits | 57,427,000 | 54,602,000 | 52,389,000 | 51,262,000 |
| Noninterest-bearing deposits | 8,456,000 | 8,578,000 | 8,612,000 | 9,127,000 |
| Equity capital | 6,868,000 | 6,892,000 | 6,685,000 | 6,707,000 |
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 | 881,000 | 1,729,000 | 2,581,000 | 3,448,000 |
| Interest expense | 311,000 | 608,000 | 857,000 | 1,080,000 |
| Net interest income | 570,000 | 1,121,000 | 1,724,000 | 2,368,000 |
| Noninterest income | 107,000 | 215,000 | 326,000 | 522,000 |
| Noninterest expense | 448,000 | 917,000 | 1,375,000 | 1,851,000 |
| Provision for loan losses | 3,000 | 3,000 | 13,000 | 24,000 |
| Pretax income | 208,000 | 384,000 | 649,000 | 893,000 |
| Income tax | 6,000 | 9,000 | 12,000 | 15,000 |
| Net income | 202,000 | 375,000 | 637,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,350,000 | 6,406,000 | 6,559,000 | 6,664,000 |
| Total capital | 6,790,000 | 6,843,000 | 6,982,000 | 7,092,000 |
| Risk-weighted assets | 36,754,000 | 37,005,000 | 38,435,000 | 38,093,000 |