Call reports 2003
BANK OF STRONGHURST — 2003
What BANK OF STRONGHURST 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 | 62,127,000 | 62,649,000 | 61,414,000 | 61,251,000 |
| Total loans | 16,589,000 | 16,640,000 | 16,957,000 | 16,894,000 |
| Allowance for loan losses | 337,000 | 325,000 | 321,000 | 318,000 |
| Securities available for sale | 39,470,000 | 41,006,000 | 38,797,000 | 38,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,735,000 | 51,011,000 | 50,350,000 | 50,112,000 |
| Interest-bearing deposits | 47,744,000 | 48,244,000 | 47,764,000 | 47,191,000 |
| Noninterest-bearing deposits | 2,991,000 | 2,767,000 | 2,586,000 | 2,921,000 |
| Equity capital | 11,039,000 | 11,208,000 | 10,861,000 | 10,816,000 |
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 | 705,000 | 1,427,000 | 2,156,000 | 2,872,000 |
| Interest expense | 357,000 | 697,000 | 1,010,000 | 1,297,000 |
| Net interest income | 348,000 | 730,000 | 1,146,000 | 1,575,000 |
| Noninterest income | 22,000 | 46,000 | 73,000 | 101,000 |
| Noninterest expense | 285,000 | 577,000 | 860,000 | 1,147,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 85,000 | 199,000 | 359,000 | 529,000 |
| Income tax | 14,000 | 32,000 | 71,000 | 111,000 |
| Net income | 71,000 | 167,000 | 288,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,746,000 | 10,842,000 | 10,963,000 | 10,961,000 |
| Total capital | 11,042,000 | 11,140,000 | 11,264,000 | 11,262,000 |
| Risk-weighted assets | 23,599,000 | 23,796,000 | 24,059,000 | 24,036,000 |