Call reports 2003
PHELPS COUNTY BANK — 2003
What PHELPS COUNTY BANK 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 | 183,740,000 | 188,491,000 | 193,034,000 | 192,774,000 |
| Total loans | 120,588,000 | 125,871,000 | 127,533,000 | 131,045,000 |
| Allowance for loan losses | 1,285,000 | 1,295,000 | 1,326,000 | 1,364,000 |
| Securities available for sale | 50,585,000 | 45,817,000 | 42,910,000 | 50,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,335,000 | 170,924,000 | 175,543,000 | 173,056,000 |
| Interest-bearing deposits | 138,404,000 | 141,953,000 | 147,173,000 | 143,994,000 |
| Noninterest-bearing deposits | 27,931,000 | 28,971,000 | 28,370,000 | 29,062,000 |
| Equity capital | 14,663,000 | 14,833,000 | 14,621,000 | 14,435,000 |
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 | 2,674,000 | 5,371,000 | 7,967,000 | 10,492,000 |
| Interest expense | 819,000 | 1,579,000 | 2,288,000 | 2,933,000 |
| Net interest income | 1,855,000 | 3,792,000 | 5,679,000 | 7,559,000 |
| Noninterest income | 301,000 | 675,000 | 1,092,000 | 1,527,000 |
| Noninterest expense | 1,482,000 | 3,026,000 | 4,631,000 | 6,059,000 |
| Provision for loan losses | 63,000 | 126,000 | 194,000 | 259,000 |
| Pretax income | 611,000 | 1,408,000 | 2,038,000 | 2,861,000 |
| Income tax | 0 | 4,000 | -4,000 | 0 |
| Net income | 611,000 | 1,404,000 | 2,042,000 | 2,861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,881,000 | 14,124,000 | 14,712,000 | 14,481,000 |
| Total capital | 15,093,000 | 15,410,000 | 16,038,000 | 15,845,000 |
| Risk-weighted assets | 96,865,000 | 102,895,000 | 106,487,000 | 109,327,000 |
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