Call reports 2003
OTTOVILLE BANK COMPANY, THE — 2003
What OTTOVILLE BANK COMPANY, 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 | 56,375,000 | 57,191,000 | 56,711,000 | 57,619,000 |
| Total loans | 24,027,000 | 23,597,000 | 23,873,000 | 23,999,000 |
| Allowance for loan losses | 493,000 | 518,000 | 519,000 | 407,000 |
| Securities available for sale | 20,635,000 | 19,924,000 | 24,276,000 | 27,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,033,000 | 37,783,000 | 37,483,000 | 40,328,000 |
| Interest-bearing deposits | 32,772,000 | 33,257,000 | 33,691,000 | 34,738,000 |
| Noninterest-bearing deposits | 4,261,000 | 4,526,000 | 3,792,000 | 5,590,000 |
| Equity capital | 11,499,000 | 11,801,000 | 11,715,000 | 11,604,000 |
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 | 733,000 | 1,435,000 | 2,121,000 | 2,823,000 |
| Interest expense | 216,000 | 416,000 | 594,000 | 755,000 |
| Net interest income | 517,000 | 1,019,000 | 1,527,000 | 2,068,000 |
| Noninterest income | 37,000 | 73,000 | 106,000 | 151,000 |
| Noninterest expense | 257,000 | 508,000 | 770,000 | 1,059,000 |
| Provision for loan losses | 35,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 263,000 | 534,000 | 786,000 | 1,062,000 |
| Income tax | 54,000 | 107,000 | 160,000 | 212,000 |
| Net income | 209,000 | 427,000 | 626,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,965,000 | 10,969,000 | 11,168,000 | 11,081,000 |
| Total capital | 11,395,000 | 11,391,000 | 11,591,000 | 11,488,000 |
| Risk-weighted assets | 34,328,000 | 33,654,000 | 33,805,000 | 34,862,000 |