Call reports 2003
BELLS BANKING COMPANY — 2003
What BELLS BANKING COMPANY 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 | 35,284,000 | 34,385,000 | 33,699,000 | 34,579,000 |
| Total loans | 12,883,000 | 13,062,000 | 12,815,000 | 12,104,000 |
| Allowance for loan losses | 186,000 | 260,000 | 266,000 | 223,000 |
| Securities available for sale | 9,308,000 | 8,656,000 | 8,515,000 | 8,713,000 |
| Securities held to maturity | 1,467,000 | 1,266,000 | 1,241,000 | 1,211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,465,000 | 29,550,000 | 28,936,000 | 29,847,000 |
| Interest-bearing deposits | 27,407,000 | 26,977,000 | 26,234,000 | 26,479,000 |
| Noninterest-bearing deposits | 3,058,000 | 2,573,000 | 2,702,000 | 3,368,000 |
| Equity capital | 4,417,000 | 4,417,000 | 4,396,000 | 4,452,000 |
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 | 412,000 | 807,000 | 1,187,000 | 1,552,000 |
| Interest expense | 133,000 | 254,000 | 360,000 | 453,000 |
| Net interest income | 279,000 | 553,000 | 827,000 | 1,099,000 |
| Noninterest income | 12,000 | 27,000 | 41,000 | 54,000 |
| Noninterest expense | 206,000 | 428,000 | 650,000 | 864,000 |
| Provision for loan losses | 6,000 | 150,000 | 156,000 | 162,000 |
| Pretax income | 80,000 | 5,000 | 65,000 | 130,000 |
| Income tax | 15,000 | -22,000 | -14,000 | -9,000 |
| Net income | 65,000 | 27,000 | 79,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,282,000 | 4,241,000 | 4,292,000 | 4,350,000 |
| Total capital | 4,468,000 | 4,450,000 | 4,495,000 | 4,556,000 |
| Risk-weighted assets | 17,248,000 | 16,801,000 | 16,157,000 | 16,475,000 |