Call reports 2003
BANK OF ERATH — 2003
What BANK OF ERATH 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 | 59,833,000 | 58,470,000 | 59,327,000 | 59,338,000 |
| Total loans | 23,586,000 | 24,188,000 | 25,132,000 | 25,686,000 |
| Allowance for loan losses | 419,000 | 389,000 | 403,000 | 344,000 |
| Securities available for sale | 29,613,000 | 29,802,000 | 27,470,000 | 28,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,554,000 | 48,665,000 | 49,695,000 | 49,759,000 |
| Interest-bearing deposits | 37,795,000 | 37,666,000 | 37,427,000 | 36,848,000 |
| Noninterest-bearing deposits | 12,759,000 | 10,999,000 | 12,268,000 | 12,911,000 |
| Equity capital | 8,863,000 | 9,144,000 | 9,014,000 | 8,971,000 |
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 | 761,000 | 1,495,000 | 2,219,000 | 2,937,000 |
| Interest expense | 140,000 | 266,000 | 381,000 | 486,000 |
| Net interest income | 621,000 | 1,229,000 | 1,838,000 | 2,451,000 |
| Noninterest income | 110,000 | 219,000 | 341,000 | 477,000 |
| Noninterest expense | 534,000 | 1,059,000 | 1,591,000 | 2,128,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 174,000 | 344,000 | 520,000 | 710,000 |
| Income tax | 45,000 | 90,000 | 140,000 | 148,000 |
| Net income | 129,000 | 254,000 | 380,000 | 562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,456,000 | 8,551,000 | 8,679,000 | 8,596,000 |
| Total capital | 8,875,000 | 8,940,000 | 9,082,000 | 8,940,000 |
| Risk-weighted assets | 34,060,000 | 34,780,000 | 35,646,000 | 36,415,000 |