Call reports 2003
BANKESB — 2003
What BANKESB 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 | 561,682,000 | 570,602,000 | 568,633,000 | 582,652,000 |
| Total loans | 397,273,000 | 410,764,000 | 412,582,000 | 424,148,000 |
| Allowance for loan losses | 2,839,000 | 2,865,000 | 2,907,000 | 2,918,000 |
| Securities available for sale | 126,314,000 | 121,871,000 | 124,694,000 | 124,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,515,000 | 453,933,000 | 455,465,000 | 466,167,000 |
| Interest-bearing deposits | 404,290,000 | 425,414,000 | 427,270,000 | 436,345,000 |
| Noninterest-bearing deposits | 27,225,000 | 28,519,000 | 28,195,000 | 29,822,000 |
| Equity capital | 65,700,000 | 67,626,000 | 68,834,000 | 70,014,000 |
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 | 7,368,000 | 14,688,000 | 21,702,000 | 28,684,000 |
| Interest expense | 2,553,000 | 5,110,000 | 7,495,000 | 9,758,000 |
| Net interest income | 4,815,000 | 9,578,000 | 14,207,000 | 18,926,000 |
| Noninterest income | 715,000 | 1,363,000 | 1,909,000 | 2,353,000 |
| Noninterest expense | 2,806,000 | 5,509,000 | 7,954,000 | 11,113,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 2,630,000 | 5,204,000 | 7,663,000 | 9,724,000 |
| Income tax | 1,000,000 | 1,959,000 | 2,878,000 | 3,623,000 |
| Net income | 1,630,000 | 3,245,000 | 4,785,000 | 6,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,659,000 | 65,865,000 | 67,513,000 | 68,884,000 |
| Total capital | 66,498,000 | 68,730,000 | 70,420,000 | 71,891,000 |
| Risk-weighted assets | 332,305,000 | 341,965,000 | 345,632,000 | 346,768,000 |