Call reports 2003
SCOTTDALE BANK & TRUST CO. THE — 2003
What SCOTTDALE BANK & TRUST CO. THE 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 | 167,280,000 | 174,004,000 | 180,971,000 | 182,192,000 |
| Total loans | 62,521,000 | 61,110,000 | 59,354,000 | 60,047,000 |
| Allowance for loan losses | 640,000 | 638,000 | 638,000 | 635,000 |
| Securities available for sale | 65,796,000 | 67,079,000 | 73,648,000 | 78,027,000 |
| Securities held to maturity | 15,938,000 | 15,025,000 | 14,904,000 | 15,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,958,000 | 134,952,000 | 142,232,000 | 143,023,000 |
| Interest-bearing deposits | 108,243,000 | 113,466,000 | 119,165,000 | 119,879,000 |
| Noninterest-bearing deposits | 21,715,000 | 21,486,000 | 23,067,000 | 23,144,000 |
| Equity capital | 35,099,000 | 36,130,000 | 36,332,000 | 36,791,000 |
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 | 2,042,000 | 4,064,000 | 6,032,000 | 8,040,000 |
| Interest expense | 582,000 | 1,179,000 | 1,821,000 | 2,357,000 |
| Net interest income | 1,460,000 | 2,885,000 | 4,211,000 | 5,683,000 |
| Noninterest income | 107,000 | 219,000 | 332,000 | 439,000 |
| Noninterest expense | 905,000 | 1,931,000 | 2,892,000 | 3,880,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 663,000 | 1,174,000 | 1,652,000 | 2,258,000 |
| Income tax | 173,000 | 295,000 | 410,000 | 553,000 |
| Net income | 490,000 | 879,000 | 1,242,000 | 1,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,823,000 | 32,211,000 | 32,574,000 | 33,037,000 |
| Total capital | 32,463,000 | 32,849,000 | 33,212,000 | 33,672,000 |
| Risk-weighted assets | 93,603,000 | 93,829,000 | 95,840,000 | 99,668,000 |