Call reports 2003
BANK OF JACOMO — 2003
What BANK OF JACOMO 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 | 244,108,000 | 249,615,000 | 256,539,000 | 253,077,000 |
| Total loans | 159,863,000 | 161,574,000 | 163,773,000 | 167,375,000 |
| Allowance for loan losses | 2,969,000 | 3,104,000 | 3,103,000 | 3,125,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,330,000 | 26,016,000 | 35,242,000 | 38,181,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,987,000 | 200,089,000 | 206,176,000 | 202,790,000 |
| Interest-bearing deposits | 141,840,000 | 143,899,000 | 147,375,000 | 147,102,000 |
| Noninterest-bearing deposits | 52,147,000 | 56,190,000 | 58,801,000 | 55,688,000 |
| Equity capital | 43,928,000 | 43,936,000 | 43,998,000 | 44,033,000 |
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 | 3,166,000 | 6,196,000 | 9,256,000 | 12,343,000 |
| Interest expense | 624,000 | 1,203,000 | 1,752,000 | 2,263,000 |
| Net interest income | 2,542,000 | 4,993,000 | 7,504,000 | 10,080,000 |
| Noninterest income | 691,000 | 1,416,000 | 2,161,000 | 2,999,000 |
| Noninterest expense | 1,667,000 | 3,350,000 | 5,038,000 | 6,694,000 |
| Provision for loan losses | 129,000 | 287,000 | 429,000 | 556,000 |
| Pretax income | 1,437,000 | 2,772,000 | 4,198,000 | 5,829,000 |
| Income tax | 540,000 | 1,043,000 | 1,582,000 | 2,177,000 |
| Net income | 897,000 | 1,729,000 | 2,616,000 | 3,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,282,000 | 19,290,000 | 19,352,000 | 19,386,000 |
| Total capital | 21,345,000 | 21,379,000 | 21,483,000 | 21,552,000 |
| Risk-weighted assets | 164,151,000 | 166,108,000 | 169,525,000 | 172,315,000 |