Call reports 2003
SYRINGA BANK — 2003
What SYRINGA 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 | 75,102,000 | 83,869,000 | 87,366,000 | 100,627,000 |
| Total loans | 55,866,000 | 70,333,000 | 75,698,000 | 89,606,000 |
| Allowance for loan losses | 763,000 | 878,000 | 1,011,000 | 1,131,000 |
| Securities available for sale | 10,601,000 | 10,436,000 | 8,467,000 | 7,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,645,000 | 68,639,000 | 77,682,000 | 86,730,000 |
| Interest-bearing deposits | 54,684,000 | 55,704,000 | 64,639,000 | 73,524,000 |
| Noninterest-bearing deposits | 11,961,000 | 12,935,000 | 13,043,000 | 13,206,000 |
| Equity capital | 5,806,000 | 6,221,000 | 7,599,000 | 7,970,000 |
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 | 1,010,000 | 2,185,000 | 3,502,000 | 4,953,000 |
| Interest expense | 287,000 | 585,000 | 918,000 | 1,275,000 |
| Net interest income | 723,000 | 1,600,000 | 2,584,000 | 3,678,000 |
| Noninterest income | 418,000 | 852,000 | 1,340,000 | 1,477,000 |
| Noninterest expense | 1,100,000 | 2,231,000 | 3,442,000 | 4,480,000 |
| Provision for loan losses | 20,000 | 143,000 | 281,000 | 421,000 |
| Pretax income | 21,000 | 78,000 | 201,000 | 254,000 |
| Income tax | 5,000 | 16,000 | 50,000 | 79,000 |
| Net income | 16,000 | 62,000 | 151,000 | 175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,697,000 | 6,043,000 | 7,485,000 | 7,851,000 |
| Total capital | 6,424,000 | 6,901,000 | 8,476,000 | 8,982,000 |
| Risk-weighted assets | 58,149,000 | 68,602,000 | 79,239,000 | 91,390,000 |