Call reports 2003
ST. MARYS STATE BANK, THE — 2003
What ST. MARYS STATE BANK, 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 | 60,557,000 | 62,296,000 | 60,958,000 | 63,619,000 |
| Total loans | 40,824,000 | 43,328,000 | 40,884,000 | 43,154,000 |
| Allowance for loan losses | 648,000 | 674,000 | 710,000 | 619,000 |
| Securities available for sale | 13,669,000 | 13,583,000 | 14,178,000 | 15,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,030,000 | 45,319,000 | 46,408,000 | 47,485,000 |
| Interest-bearing deposits | 40,976,000 | 39,680,000 | 39,331,000 | 40,316,000 |
| Noninterest-bearing deposits | 6,054,000 | 5,639,000 | 7,077,000 | 7,169,000 |
| Equity capital | 6,180,000 | 6,276,000 | 6,203,000 | 6,357,000 |
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 | 888,000 | 1,760,000 | 2,670,000 | 3,538,000 |
| Interest expense | 345,000 | 680,000 | 1,010,000 | 1,328,000 |
| Net interest income | 543,000 | 1,080,000 | 1,660,000 | 2,210,000 |
| Noninterest income | 91,000 | 186,000 | 286,000 | 470,000 |
| Noninterest expense | 445,000 | 905,000 | 1,373,000 | 1,878,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 145,000 | 272,000 | 439,000 | 623,000 |
| Income tax | 1,000 | 6,000 | 14,000 | 20,000 |
| Net income | 144,000 | 266,000 | 425,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,917,000 | 5,939,000 | 5,994,000 | 6,172,000 |
| Total capital | 6,475,000 | 6,518,000 | 6,566,000 | 6,752,000 |
| Risk-weighted assets | 44,567,000 | 46,214,000 | 45,642,000 | 46,340,000 |