Call reports 2003
BLENCOE STATE BANK — 2003
What BLENCOE STATE 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 | 20,785,000 | 21,287,000 | 20,985,000 | 20,623,000 |
| Total loans | 12,264,000 | 13,106,000 | 13,422,000 | 13,122,000 |
| Allowance for loan losses | 159,000 | 177,000 | 188,000 | 193,000 |
| Securities available for sale | 6,672,000 | 6,780,000 | 6,097,000 | 5,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,573,000 | 18,098,000 | 17,787,000 | 18,371,000 |
| Interest-bearing deposits | 14,549,000 | 14,627,000 | 14,295,000 | 13,931,000 |
| Noninterest-bearing deposits | 4,024,000 | 3,471,000 | 3,492,000 | 4,440,000 |
| Equity capital | 2,010,000 | 2,089,000 | 2,096,000 | 2,020,000 |
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 | 270,000 | 554,000 | 838,000 | 1,111,000 |
| Interest expense | 73,000 | 145,000 | 217,000 | 283,000 |
| Net interest income | 197,000 | 409,000 | 621,000 | 828,000 |
| Noninterest income | 33,000 | 66,000 | 101,000 | 133,000 |
| Noninterest expense | 167,000 | 331,000 | 493,000 | 672,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 39,000 |
| Pretax income | 52,000 | 123,000 | 197,000 | 251,000 |
| Income tax | 3,000 | 29,000 | 60,000 | 68,000 |
| Net income | 49,000 | 94,000 | 137,000 | 183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,916,000 | 1,960,000 | 2,004,000 | 1,947,000 |
| Total capital | 2,075,000 | 2,137,000 | 2,192,000 | 2,135,000 |
| Risk-weighted assets | 14,842,000 | 15,418,000 | 15,584,000 | 15,071,000 |