Call reports 2003
BANK-OLDHAM COUNTY, INC, THE — 2003
What BANK-OLDHAM COUNTY, INC, 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 | 120,551,000 | 120,266,000 | 121,608,000 | 126,568,000 |
| Total loans | 60,407,000 | 60,698,000 | 57,642,000 | 57,067,000 |
| Allowance for loan losses | 1,033,000 | 792,000 | 844,000 | 599,000 |
| Securities available for sale | 46,997,000 | 44,744,000 | 52,710,000 | 57,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,380,000 | 104,823,000 | 106,647,000 | 110,788,000 |
| Interest-bearing deposits | 89,615,000 | 86,846,000 | 86,897,000 | 89,303,000 |
| Noninterest-bearing deposits | 16,765,000 | 17,977,000 | 19,750,000 | 21,485,000 |
| Equity capital | 9,663,000 | 9,971,000 | 9,812,000 | 9,724,000 |
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 | 1,499,000 | 2,931,000 | 4,243,000 | 5,625,000 |
| Interest expense | 445,000 | 873,000 | 1,271,000 | 1,610,000 |
| Net interest income | 1,054,000 | 2,058,000 | 2,972,000 | 4,015,000 |
| Noninterest income | 377,000 | 833,000 | 1,257,000 | 1,596,000 |
| Noninterest expense | 1,096,000 | 2,343,000 | 3,560,000 | 4,785,000 |
| Provision for loan losses | 30,000 | 61,000 | 123,000 | 370,000 |
| Pretax income | 353,000 | 647,000 | 706,000 | 616,000 |
| Income tax | 84,000 | 150,000 | 59,000 | -68,000 |
| Net income | 269,000 | 497,000 | 647,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,160,000 | 9,388,000 | 9,538,000 | 9,375,000 |
| Total capital | 10,046,000 | 10,180,000 | 10,382,000 | 9,974,000 |
| Risk-weighted assets | 70,725,000 | 72,198,000 | 69,662,000 | 70,662,000 |