Call reports 2003
STATE BANK OF DAVIS — 2003
What STATE BANK OF DAVIS 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 | 67,747,000 | 70,614,000 | 72,510,000 | 76,120,000 |
| Total loans | 39,111,000 | 40,616,000 | 42,553,000 | 48,819,000 |
| Allowance for loan losses | 657,000 | 698,000 | 734,000 | 640,000 |
| Securities available for sale | 17,328,000 | 18,899,000 | 19,869,000 | 18,990,000 |
| Securities held to maturity | 6,909,000 | 7,860,000 | 7,205,000 | 7,095,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,606,000 | 64,540,000 | 65,602,000 | 65,720,000 |
| Interest-bearing deposits | 57,875,000 | 59,730,000 | 61,673,000 | 61,260,000 |
| Noninterest-bearing deposits | 3,731,000 | 4,810,000 | 3,929,000 | 4,460,000 |
| Equity capital | 5,464,000 | 5,630,000 | 5,578,000 | 5,788,000 |
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 | 973,000 | 1,961,000 | 2,957,000 | 3,956,000 |
| Interest expense | 398,000 | 775,000 | 1,128,000 | 1,478,000 |
| Net interest income | 575,000 | 1,186,000 | 1,829,000 | 2,478,000 |
| Noninterest income | 29,000 | 62,000 | 95,000 | 134,000 |
| Noninterest expense | 301,000 | 608,000 | 919,000 | 1,238,000 |
| Provision for loan losses | 35,000 | 69,000 | 104,000 | 138,000 |
| Pretax income | 268,000 | 571,000 | 901,000 | 1,236,000 |
| Income tax | 63,000 | 142,000 | 232,000 | 323,000 |
| Net income | 205,000 | 429,000 | 669,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,010,000 | 5,134,000 | 5,274,000 | 5,518,000 |
| Total capital | 5,542,000 | 5,683,000 | 5,844,000 | 6,158,000 |
| Risk-weighted assets | 42,397,000 | 43,795,000 | 45,408,000 | 52,848,000 |