Call reports 2003
BONHAM STATE BANK — 2003
What BONHAM 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 | 95,716,000 | 96,304,000 | 91,153,000 | 92,330,000 |
| Total loans | 48,541,000 | 47,282,000 | 46,473,000 | 44,592,000 |
| Allowance for loan losses | 516,000 | 496,000 | 499,000 | 575,000 |
| Securities available for sale | 17,348,000 | 21,908,000 | 21,930,000 | 23,510,000 |
| Securities held to maturity | 13,001,000 | 11,608,000 | 11,571,000 | 11,370,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,225,000 | 86,526,000 | 81,158,000 | 82,934,000 |
| Interest-bearing deposits | 69,963,000 | 69,657,000 | 65,103,000 | 65,797,000 |
| Noninterest-bearing deposits | 16,262,000 | 16,869,000 | 16,055,000 | 17,137,000 |
| Equity capital | 8,772,000 | 9,136,000 | 9,253,000 | 8,622,000 |
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 | 1,280,000 | 2,554,000 | 3,770,000 | 4,922,000 |
| Interest expense | 354,000 | 683,000 | 978,000 | 1,250,000 |
| Net interest income | 926,000 | 1,871,000 | 2,792,000 | 3,672,000 |
| Noninterest income | 157,000 | 343,000 | 486,000 | 558,000 |
| Noninterest expense | 649,000 | 1,241,000 | 1,899,000 | 2,568,000 |
| Provision for loan losses | 20,000 | 50,000 | 85,000 | 223,000 |
| Pretax income | 414,000 | 975,000 | 1,351,000 | 1,496,000 |
| Income tax | 116,000 | 278,000 | 373,000 | 396,000 |
| Net income | 298,000 | 697,000 | 978,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,592,000 | 8,988,000 | 9,269,000 | 8,680,000 |
| Total capital | 9,108,000 | 9,484,000 | 9,768,000 | 9,255,000 |
| Risk-weighted assets | 52,505,000 | 51,881,000 | 50,752,000 | 47,330,000 |