Call reports 2003
FIRST STATE BANK OF ASHBY — 2003
What FIRST STATE BANK OF ASHBY 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 | 23,114,000 | 24,074,000 | 23,696,000 | 24,775,000 |
| Total loans | 13,928,000 | 15,051,000 | 14,854,000 | 14,769,000 |
| Allowance for loan losses | 166,000 | 166,000 | 170,000 | 173,000 |
| Securities available for sale | 4,501,000 | 4,763,000 | 4,666,000 | 5,318,000 |
| Securities held to maturity | 789,000 | 589,000 | 589,000 | 449,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,249,000 | 22,190,000 | 21,787,000 | 22,887,000 |
| Interest-bearing deposits | 18,617,000 | 19,673,000 | 18,995,000 | 20,395,000 |
| Noninterest-bearing deposits | 2,632,000 | 2,517,000 | 2,792,000 | 2,492,000 |
| Equity capital | 1,792,000 | 1,817,000 | 1,838,000 | 1,834,000 |
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 | 330,000 | 665,000 | 996,000 | 1,319,000 |
| Interest expense | 138,000 | 268,000 | 392,000 | 510,000 |
| Net interest income | 192,000 | 397,000 | 604,000 | 809,000 |
| Noninterest income | 23,000 | 46,000 | 72,000 | 106,000 |
| Noninterest expense | 115,000 | 247,000 | 368,000 | 538,000 |
| Provision for loan losses | 0 | 6,000 | 15,000 | 18,000 |
| Pretax income | 100,000 | 190,000 | 293,000 | 371,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 16,000 |
| Net income | 96,000 | 182,000 | 281,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,705,000 | 1,721,000 | 1,781,000 | 1,806,000 |
| Total capital | 1,871,000 | 1,887,000 | 1,951,000 | 1,979,000 |
| Risk-weighted assets | 14,209,000 | 14,978,000 | 14,841,000 | 15,006,000 |