Call reports 2003
STONE BANK — 2003
What STONE 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 | 12,808,000 | 12,977,000 | 12,163,000 | 13,714,000 |
| Total loans | 5,525,000 | 5,959,000 | 6,410,000 | 6,144,000 |
| Allowance for loan losses | 58,000 | 55,000 | 58,000 | 74,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 0 |
| Securities held to maturity | 4,054,000 | 4,105,000 | 3,995,000 | 3,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,249,000 | 10,374,000 | 9,505,000 | 11,116,000 |
| Interest-bearing deposits | 7,792,000 | 6,865,000 | 6,366,000 | 6,519,000 |
| Noninterest-bearing deposits | 2,457,000 | 3,509,000 | 3,139,000 | 4,597,000 |
| Equity capital | 2,497,000 | 2,518,000 | 2,548,000 | 2,493,000 |
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 | 159,000 | 318,000 | 478,000 | 643,000 |
| Interest expense | 28,000 | 54,000 | 74,000 | 93,000 |
| Net interest income | 131,000 | 264,000 | 404,000 | 550,000 |
| Noninterest income | 15,000 | 43,000 | 74,000 | 105,000 |
| Noninterest expense | 122,000 | 242,000 | 363,000 | 481,000 |
| Provision for loan losses | 8,000 | 18,000 | 26,000 | 80,000 |
| Pretax income | 16,000 | 47,000 | 89,000 | 94,000 |
| Income tax | 9,000 | 20,000 | 31,000 | 16,000 |
| Net income | 7,000 | 27,000 | 58,000 | 78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,497,000 | 2,518,000 | 2,548,000 | 2,493,000 |
| Total capital | 2,555,000 | 2,573,000 | 2,606,000 | 2,567,000 |
| Risk-weighted assets | 6,500,000 | 6,787,000 | 6,947,000 | 6,997,000 |