Call reports 2003
BATH STATE BANK — 2003
What BATH 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 | 89,183,000 | 91,679,000 | 95,281,000 | 97,633,000 |
| Total loans | 67,398,000 | 71,898,000 | 74,744,000 | 73,964,000 |
| Allowance for loan losses | 865,000 | 892,000 | 900,000 | 858,000 |
| Securities available for sale | 11,207,000 | 10,581,000 | 9,973,000 | 11,811,000 |
| Securities held to maturity | 1,989,000 | 1,836,000 | 1,837,000 | 1,837,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,736,000 | 75,032,000 | 77,522,000 | 79,778,000 |
| Interest-bearing deposits | 69,091,000 | 71,332,000 | 74,081,000 | 75,166,000 |
| Noninterest-bearing deposits | 3,645,000 | 3,700,000 | 3,441,000 | 4,612,000 |
| Equity capital | 7,192,000 | 7,565,000 | 7,685,000 | 7,895,000 |
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 | 1,433,000 | 2,897,000 | 4,401,000 | 5,898,000 |
| Interest expense | 685,000 | 1,382,000 | 2,063,000 | 2,735,000 |
| Net interest income | 748,000 | 1,515,000 | 2,338,000 | 3,163,000 |
| Noninterest income | 175,000 | 603,000 | 768,000 | 1,089,000 |
| Noninterest expense | 535,000 | 1,332,000 | 1,969,000 | 2,694,000 |
| Provision for loan losses | 72,000 | 90,000 | 117,000 | 172,000 |
| Pretax income | 316,000 | 696,000 | 1,020,000 | 1,386,000 |
| Income tax | 77,000 | 184,000 | 271,000 | 363,000 |
| Net income | 239,000 | 512,000 | 749,000 | 1,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,984,000 | 7,242,000 | 7,482,000 | 7,678,000 |
| Total capital | 7,849,000 | 8,134,000 | 8,382,000 | 8,536,000 |
| Risk-weighted assets | 69,841,000 | 73,723,000 | 76,464,000 | 76,226,000 |