Call reports 2003
BANK OF KAMPSVILLE — 2003
What BANK OF KAMPSVILLE 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 | 75,205,000 | 77,905,000 | 77,589,000 | 79,078,000 |
| Total loans | 46,744,000 | 46,018,000 | 45,964,000 | 45,694,000 |
| Allowance for loan losses | 1,110,000 | 996,000 | 811,000 | 792,000 |
| Securities available for sale | 19,784,000 | 22,367,000 | 25,910,000 | 27,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,577,000 | 68,906,000 | 68,873,000 | 70,120,000 |
| Interest-bearing deposits | 58,265,000 | 62,005,000 | 61,856,000 | 62,269,000 |
| Noninterest-bearing deposits | 7,312,000 | 6,901,000 | 7,017,000 | 7,851,000 |
| Equity capital | 7,730,000 | 8,111,000 | 7,975,000 | 8,214,000 |
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 | 1,125,000 | 2,314,000 | 3,470,000 | 4,594,000 |
| Interest expense | 443,000 | 950,000 | 1,355,000 | 1,733,000 |
| Net interest income | 682,000 | 1,364,000 | 2,115,000 | 2,861,000 |
| Noninterest income | 37,000 | 79,000 | 128,000 | 175,000 |
| Noninterest expense | 400,000 | 816,000 | 1,243,000 | 1,651,000 |
| Provision for loan losses | -7,000 | -19,000 | -34,000 | -44,000 |
| Pretax income | 337,000 | 657,000 | 1,045,000 | 1,416,000 |
| Income tax | 112,000 | 225,000 | 351,000 | 461,000 |
| Net income | 225,000 | 432,000 | 694,000 | 955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,145,000 | 6,368,000 | 6,649,000 | 6,929,000 |
| Total capital | 6,730,000 | 6,961,000 | 7,253,000 | 7,534,000 |
| Risk-weighted assets | 46,225,000 | 46,982,000 | 48,044,000 | 48,232,000 |