Call reports 2003
SHARON BANK — 2003
What SHARON 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 | 178,284,000 | 180,172,000 | 191,888,000 | 197,009,000 |
| Total loans | 76,359,000 | 74,642,000 | 79,391,000 | 92,409,000 |
| Allowance for loan losses | 164,000 | 164,000 | 164,000 | 164,000 |
| Securities available for sale | 19,930,000 | 20,930,000 | 20,783,000 | 15,859,000 |
| Securities held to maturity | 57,707,000 | 66,676,000 | 74,048,000 | 74,632,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,915,000 | 166,024,000 | 167,225,000 | 156,389,000 |
| Interest-bearing deposits | 159,020,000 | 160,900,000 | 159,542,000 | 151,927,000 |
| Noninterest-bearing deposits | 4,895,000 | 5,124,000 | 7,683,000 | 4,462,000 |
| Equity capital | 13,580,000 | 13,735,000 | 13,884,000 | 14,271,000 |
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 | 2,114,000 | 4,147,000 | 6,193,000 | 8,379,000 |
| Interest expense | 1,028,000 | 1,930,000 | 2,765,000 | 3,543,000 |
| Net interest income | 1,086,000 | 2,217,000 | 3,428,000 | 4,836,000 |
| Noninterest income | 94,000 | 209,000 | 325,000 | 464,000 |
| Noninterest expense | 961,000 | 2,082,000 | 3,073,000 | 4,107,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 219,000 | 344,000 | 680,000 | 1,155,000 |
| Income tax | 69,000 | 39,000 | 129,000 | 253,000 |
| Net income | 150,000 | 305,000 | 551,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,574,000 | 13,729,000 | 13,829,000 | 14,235,000 |
| Total capital | 13,738,000 | 13,893,000 | 13,993,000 | 14,399,000 |
| Risk-weighted assets | 85,395,000 | 84,348,000 | 92,568,000 | 95,785,000 |