Call reports 2003
STOCKGROWERS STATE BANK — 2003
What STOCKGROWERS STATE 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 | 102,935,000 | 103,298,000 | 104,007,000 | 105,707,000 |
| Total loans | 72,044,000 | 74,035,000 | 69,829,000 | 72,341,000 |
| Allowance for loan losses | 1,539,000 | 1,622,000 | 1,624,000 | 1,489,000 |
| Securities available for sale | 23,706,000 | 23,029,000 | 28,725,000 | 28,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,700,000 | 90,785,000 | 92,335,000 | 93,611,000 |
| Interest-bearing deposits | 84,418,000 | 84,375,000 | 85,659,000 | 85,918,000 |
| Noninterest-bearing deposits | 6,282,000 | 6,410,000 | 6,676,000 | 7,693,000 |
| Equity capital | 11,242,000 | 11,445,000 | 11,010,000 | 11,260,000 |
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 | 1,489,000 | 2,983,000 | 4,430,000 | 5,872,000 |
| Interest expense | 525,000 | 1,031,000 | 1,510,000 | 1,958,000 |
| Net interest income | 964,000 | 1,952,000 | 2,920,000 | 3,914,000 |
| Noninterest income | 84,000 | 181,000 | 266,000 | 363,000 |
| Noninterest expense | 786,000 | 1,563,000 | 2,302,000 | 3,059,000 |
| Provision for loan losses | 170,000 | 350,000 | 676,000 | 756,000 |
| Pretax income | 128,000 | 380,000 | 368,000 | 625,000 |
| Income tax | 15,000 | 93,000 | 134,000 | 146,000 |
| Net income | 113,000 | 287,000 | 234,000 | 479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,429,000 | 10,559,000 | 10,366,000 | 10,612,000 |
| Total capital | 11,443,000 | 11,592,000 | 11,363,000 | 11,632,000 |
| Risk-weighted assets | 80,689,000 | 82,023,000 | 79,172,000 | 81,162,000 |