Call reports 2003
BANK OF BOURBONNAIS — 2003
What BANK OF BOURBONNAIS 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 | 40,704,000 | 41,160,000 | 42,349,000 | 44,882,000 |
| Total loans | 28,945,000 | 29,935,000 | 29,462,000 | 32,517,000 |
| Allowance for loan losses | 386,000 | 392,000 | 395,000 | 401,000 |
| Securities available for sale | 9,548,000 | 9,631,000 | 4,959,000 | 6,209,000 |
| Securities held to maturity | 4,000 | 4,000 | 1,003,000 | 1,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,442,000 | 35,435,000 | 38,542,000 | 40,905,000 |
| Interest-bearing deposits | 31,344,000 | 30,960,000 | 33,843,000 | 36,609,000 |
| Noninterest-bearing deposits | 4,098,000 | 4,475,000 | 4,699,000 | 4,296,000 |
| Equity capital | 2,773,000 | 2,899,000 | 2,767,000 | 3,150,000 |
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 | 611,000 | 1,252,000 | 1,829,000 | 2,414,000 |
| Interest expense | 192,000 | 385,000 | 575,000 | 766,000 |
| Net interest income | 419,000 | 867,000 | 1,254,000 | 1,648,000 |
| Noninterest income | 27,000 | 64,000 | 99,000 | 135,000 |
| Noninterest expense | 319,000 | 640,000 | 954,000 | 1,245,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 121,000 | 279,000 | 132,000 | 271,000 |
| Income tax | 48,000 | 113,000 | 53,000 | 110,000 |
| Net income | 73,000 | 166,000 | 79,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,760,000 | 2,853,000 | 2,767,000 | 3,148,000 |
| Total capital | 3,134,000 | 3,234,000 | 3,148,000 | 3,549,000 |
| Risk-weighted assets | 29,925,000 | 30,532,000 | 30,441,000 | 32,905,000 |