Call reports 2003
STATE BANK OF HERSCHER — 2003
What STATE BANK OF HERSCHER 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 | 92,961,000 | 92,606,000 | 103,315,000 | 105,320,000 |
| Total loans | 55,177,000 | 56,843,000 | 59,740,000 | 57,771,000 |
| Allowance for loan losses | 860,000 | 892,000 | 920,000 | 853,000 |
| Securities available for sale | 10,849,000 | 12,366,000 | 14,993,000 | 17,377,000 |
| Securities held to maturity | 10,985,000 | 11,260,000 | 11,117,000 | 11,781,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,809,000 | 79,954,000 | 90,684,000 | 92,905,000 |
| Interest-bearing deposits | 73,541,000 | 72,164,000 | 83,097,000 | 82,477,000 |
| Noninterest-bearing deposits | 7,268,000 | 7,789,000 | 7,587,000 | 10,428,000 |
| Equity capital | 11,200,000 | 11,551,000 | 11,699,000 | 11,548,000 |
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 | 1,290,000 | 2,685,000 | 4,042,000 | 5,390,000 |
| Interest expense | 498,000 | 959,000 | 1,426,000 | 1,904,000 |
| Net interest income | 792,000 | 1,726,000 | 2,616,000 | 3,486,000 |
| Noninterest income | 99,000 | 159,000 | 227,000 | 325,000 |
| Noninterest expense | 536,000 | 1,022,000 | 1,640,000 | 2,251,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 325,000 | 802,000 | 1,112,000 | 1,450,000 |
| Income tax | 88,000 | 244,000 | 312,000 | 419,000 |
| Net income | 237,000 | 558,000 | 800,000 | 1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,990,000 | 11,266,000 | 11,500,000 | 11,414,000 |
| Total capital | 11,806,000 | 12,089,000 | 12,397,000 | 12,267,000 |
| Risk-weighted assets | 64,930,000 | 65,819,000 | 71,666,000 | 70,092,000 |