Call reports 2003
BANK OF EDMONSON COUNTY — 2003
What BANK OF EDMONSON COUNTY 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 | 149,047,000 | 149,895,000 | 149,105,000 | 148,680,000 |
| Total loans | 102,197,000 | 103,740,000 | 104,933,000 | 104,628,000 |
| Allowance for loan losses | 977,000 | 1,032,000 | 1,065,000 | 1,122,000 |
| Securities available for sale | 18,637,000 | 18,766,000 | 17,424,000 | 16,646,000 |
| Securities held to maturity | 20,579,000 | 19,899,000 | 19,704,000 | 19,497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,910,000 | 102,673,000 | 102,366,000 | 103,023,000 |
| Interest-bearing deposits | 92,513,000 | 93,942,000 | 93,831,000 | 94,448,000 |
| Noninterest-bearing deposits | 8,397,000 | 8,731,000 | 8,535,000 | 8,575,000 |
| Equity capital | 16,193,000 | 16,481,000 | 16,797,000 | 16,903,000 |
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 | 2,393,000 | 4,819,000 | 7,150,000 | 9,455,000 |
| Interest expense | 1,110,000 | 2,186,000 | 3,209,000 | 4,208,000 |
| Net interest income | 1,283,000 | 2,633,000 | 3,941,000 | 5,247,000 |
| Noninterest income | 197,000 | 438,000 | 650,000 | 846,000 |
| Noninterest expense | 808,000 | 1,597,000 | 2,372,000 | 3,250,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 597,000 | 1,324,000 | 1,994,000 | 2,543,000 |
| Income tax | 113,000 | 250,000 | 466,000 | 519,000 |
| Net income | 484,000 | 1,074,000 | 1,528,000 | 2,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,915,000 | 16,145,000 | 16,599,000 | 16,735,000 |
| Total capital | 16,892,000 | 17,177,000 | 17,664,000 | 17,857,000 |
| Risk-weighted assets | 99,727,000 | 101,531,000 | 102,298,000 | 101,918,000 |