Call reports 2003
STOCKMENS BANK — 2003
What STOCKMENS 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 | 11,590,000 | 12,007,000 | 12,196,000 | 12,734,000 |
| Total loans | 7,710,000 | 8,234,000 | 7,839,000 | 8,085,000 |
| Allowance for loan losses | 254,000 | 241,000 | 241,000 | 446,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,583,000 | 2,978,000 | 2,771,000 | 3,899,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,417,000 | 10,559,000 | 10,941,000 | 10,938,000 |
| Interest-bearing deposits | 9,085,000 | 9,331,000 | 9,615,000 | 9,491,000 |
| Noninterest-bearing deposits | 1,332,000 | 1,228,000 | 1,326,000 | 1,447,000 |
| Equity capital | 1,131,000 | 1,176,000 | 1,202,000 | 1,263,000 |
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 | 171,000 | 349,000 | 527,000 | 169,000 |
| Interest expense | 74,000 | 143,000 | 212,000 | 61,000 |
| Net interest income | 97,000 | 206,000 | 315,000 | 108,000 |
| Noninterest income | 14,000 | 36,000 | 51,000 | 39,000 |
| Noninterest expense | 88,000 | 166,000 | 253,000 | 84,000 |
| Provision for loan losses | 40,000 | 40,000 | 40,000 | 0 |
| Pretax income | -17,000 | 36,000 | 73,000 | 63,000 |
| Income tax | 0 | 8,000 | 19,000 | 0 |
| Net income | -17,000 | 28,000 | 54,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,131,000 | 1,176,000 | 1,202,000 | 1,263,000 |
| Total capital | 1,207,000 | 1,257,000 | 1,280,000 | 1,346,000 |
| Risk-weighted assets | 5,875,000 | 6,232,000 | 6,087,000 | 6,272,000 |