Call reports 2003
S-BANK — 2003
What S-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 | 120,389,000 | 124,703,000 | 141,641,000 | 145,821,000 |
| Total loans | 97,751,000 | 102,873,000 | 117,553,000 | 121,945,000 |
| Allowance for loan losses | 874,000 | 903,000 | 934,000 | 958,000 |
| Securities available for sale | 6,488,000 | 5,211,000 | 9,038,000 | 9,456,000 |
| Securities held to maturity | 6,591,000 | 5,462,000 | 4,429,000 | 4,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,260,000 | 87,175,000 | 87,485,000 | 84,145,000 |
| Interest-bearing deposits | 75,596,000 | 75,641,000 | 77,313,000 | 73,902,000 |
| Noninterest-bearing deposits | 11,664,000 | 11,534,000 | 10,172,000 | 10,243,000 |
| Equity capital | 8,581,000 | 8,874,000 | 9,047,000 | 9,302,000 |
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 | 1,818,000 | 3,654,000 | 5,542,000 | 7,497,000 |
| Interest expense | 558,000 | 1,108,000 | 1,636,000 | 2,192,000 |
| Net interest income | 1,260,000 | 2,546,000 | 3,906,000 | 5,305,000 |
| Noninterest income | 73,000 | 162,000 | 261,000 | 378,000 |
| Noninterest expense | 1,145,000 | 2,163,000 | 3,199,000 | 4,350,000 |
| Provision for loan losses | 27,000 | 54,000 | 81,000 | 108,000 |
| Pretax income | 161,000 | 564,000 | 1,019,000 | 1,387,000 |
| Income tax | 62,000 | 217,000 | 392,000 | 534,000 |
| Net income | 99,000 | 347,000 | 627,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,389,000 | 8,707,000 | 8,919,000 | 9,172,000 |
| Total capital | 9,263,000 | 9,610,000 | 9,853,000 | 10,130,000 |
| Risk-weighted assets | 75,903,000 | 78,717,000 | 86,557,000 | 88,944,000 |