Call reports 2003
ATKINS SAVINGS BANK & TRUST — 2003
What ATKINS SAVINGS BANK & TRUST 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 | 27,614,000 | 27,799,000 | 28,314,000 | 29,032,000 |
| Total loans | 11,954,000 | 11,338,000 | 11,023,000 | 10,549,000 |
| Allowance for loan losses | 134,000 | 140,000 | 145,000 | 151,000 |
| Securities available for sale | 11,247,000 | 11,725,000 | 13,229,000 | 14,005,000 |
| Securities held to maturity | 161,000 | 52,000 | 52,000 | 52,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,973,000 | 23,988,000 | 24,607,000 | 25,396,000 |
| Interest-bearing deposits | 20,924,000 | 20,806,000 | 21,395,000 | 21,675,000 |
| Noninterest-bearing deposits | 3,049,000 | 3,182,000 | 3,212,000 | 3,721,000 |
| Equity capital | 3,171,000 | 3,372,000 | 3,323,000 | 3,278,000 |
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 | 352,000 | 697,000 | 1,037,000 | 1,386,000 |
| Interest expense | 160,000 | 308,000 | 446,000 | 599,000 |
| Net interest income | 192,000 | 389,000 | 591,000 | 787,000 |
| Noninterest income | 30,000 | 50,000 | 70,000 | 91,000 |
| Noninterest expense | 135,000 | 286,000 | 399,000 | 557,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 85,000 | 167,000 | 277,000 | 333,000 |
| Income tax | 4,000 | -8,000 | 11,000 | 16,000 |
| Net income | 81,000 | 175,000 | 266,000 | 317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,986,000 | 3,079,000 | 3,170,000 | 3,072,000 |
| Total capital | 3,120,000 | 3,219,000 | 3,315,000 | 3,223,000 |
| Risk-weighted assets | 17,628,000 | 17,252,000 | 17,843,000 | 17,534,000 |