Call reports 2003
STEPHENVILLE BANK AND TRUST CO. — 2003
What STEPHENVILLE BANK AND TRUST CO. 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 | 141,323,000 | 139,000,000 | 144,470,000 | 147,980,000 |
| Total loans | 74,883,000 | 74,350,000 | 77,076,000 | 76,814,000 |
| Allowance for loan losses | 826,000 | 808,000 | 818,000 | 889,000 |
| Securities available for sale | 36,682,000 | 36,193,000 | 38,913,000 | 43,090,000 |
| Securities held to maturity | 19,250,000 | 18,240,000 | 18,230,000 | 15,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,195,000 | 122,314,000 | 128,348,000 | 134,317,000 |
| Interest-bearing deposits | 95,282,000 | 92,144,000 | 96,555,000 | 102,799,000 |
| Noninterest-bearing deposits | 28,913,000 | 30,169,000 | 31,793,000 | 31,518,000 |
| Equity capital | 12,619,000 | 13,185,000 | 13,229,000 | 13,306,000 |
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 | 1,814,000 | 3,622,000 | 5,344,000 | 7,099,000 |
| Interest expense | 383,000 | 726,000 | 1,035,000 | 1,334,000 |
| Net interest income | 1,431,000 | 2,896,000 | 4,309,000 | 5,765,000 |
| Noninterest income | 389,000 | 839,000 | 1,306,000 | 1,698,000 |
| Noninterest expense | 933,000 | 1,960,000 | 2,923,000 | 3,926,000 |
| Provision for loan losses | 595,000 | 670,000 | 670,000 | 670,000 |
| Pretax income | 292,000 | 1,105,000 | 2,022,000 | 2,867,000 |
| Income tax | 74,000 | 330,000 | 613,000 | 864,000 |
| Net income | 218,000 | 775,000 | 1,409,000 | 2,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,271,000 | 12,378,000 | 12,612,000 | 12,782,000 |
| Total capital | 13,097,000 | 13,190,000 | 13,433,000 | 13,673,000 |
| Risk-weighted assets | 78,857,000 | 77,775,000 | 80,601,000 | 81,640,000 |