Call reports 2003
STATE BANK OF BOTTINEAU — 2003
What STATE BANK OF BOTTINEAU 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 | 40,357,000 | 41,675,000 | 40,723,000 | 41,405,000 |
| Total loans | 26,590,000 | 29,114,000 | 29,167,000 | 27,567,000 |
| Allowance for loan losses | 507,000 | 522,000 | 537,000 | 507,000 |
| Securities available for sale | 166,000 | 53,000 | 148,000 | 148,000 |
| Securities held to maturity | 8,118,000 | 8,089,000 | 7,814,000 | 6,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,110,000 | 36,904,000 | 35,979,000 | 36,824,000 |
| Interest-bearing deposits | 32,625,000 | 32,917,000 | 31,973,000 | 31,860,000 |
| Noninterest-bearing deposits | 3,485,000 | 3,987,000 | 4,006,000 | 4,964,000 |
| Equity capital | 3,659,000 | 3,655,000 | 3,758,000 | 3,877,000 |
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 | 589,000 | 1,185,000 | 1,785,000 | 2,335,000 |
| Interest expense | 193,000 | 370,000 | 530,000 | 674,000 |
| Net interest income | 396,000 | 815,000 | 1,255,000 | 1,661,000 |
| Noninterest income | 52,000 | 103,000 | 166,000 | 217,000 |
| Noninterest expense | 295,000 | 615,000 | 938,000 | 1,264,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 138,000 | 273,000 | 438,000 | 554,000 |
| Income tax | 12,000 | 25,000 | 38,000 | 35,000 |
| Net income | 126,000 | 248,000 | 400,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,198,000 | 3,198,000 | 3,307,000 | 3,431,000 |
| Total capital | 3,566,000 | 3,590,000 | 3,703,000 | 3,815,000 |
| Risk-weighted assets | 29,268,000 | 31,244,000 | 31,500,000 | 30,602,000 |