Call reports 2003
BAXTER STATE BANK, THE — 2003
What BAXTER STATE BANK, 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 | 26,991,000 | 27,248,000 | 27,085,000 | 27,095,000 |
| Total loans | 15,346,000 | 16,920,000 | 16,385,000 | 16,754,000 |
| Allowance for loan losses | 210,000 | 214,000 | 229,000 | 232,000 |
| Securities available for sale | 6,541,000 | 5,405,000 | 5,194,000 | 6,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,629,000 | 19,795,000 | 19,563,000 | 19,815,000 |
| Interest-bearing deposits | 15,660,000 | 15,559,000 | 15,325,000 | 15,465,000 |
| Noninterest-bearing deposits | 3,969,000 | 4,236,000 | 4,238,000 | 4,350,000 |
| Equity capital | 4,063,000 | 4,160,000 | 4,221,000 | 4,054,000 |
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 | 356,000 | 706,000 | 1,070,000 | 1,427,000 |
| Interest expense | 102,000 | 199,000 | 291,000 | 377,000 |
| Net interest income | 254,000 | 507,000 | 779,000 | 1,050,000 |
| Noninterest income | 90,000 | 240,000 | 323,000 | 391,000 |
| Noninterest expense | 290,000 | 564,000 | 819,000 | 1,092,000 |
| Provision for loan losses | 15,000 | 21,000 | 36,000 | 41,000 |
| Pretax income | 39,000 | 162,000 | 247,000 | 308,000 |
| Income tax | 14,000 | 27,000 | 41,000 | 54,000 |
| Net income | 25,000 | 135,000 | 206,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,982,000 | 4,092,000 | 4,163,000 | 4,011,000 |
| Total capital | 4,192,000 | 4,306,000 | 4,379,000 | 4,239,000 |
| Risk-weighted assets | 16,712,000 | 17,924,000 | 17,257,000 | 18,232,000 |