Call reports 2003
SYLVESTER BANKING COMPANY — 2003
What SYLVESTER BANKING COMPANY 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 | 48,225,000 | 46,942,000 | 45,087,000 | 44,091,000 |
| Total loans | 12,009,000 | 11,994,000 | 11,804,000 | 10,273,000 |
| Allowance for loan losses | 174,000 | 177,000 | 180,000 | 172,000 |
| Securities available for sale | 10,453,000 | 15,607,000 | 17,633,000 | 18,012,000 |
| Securities held to maturity | 15,313,000 | 12,308,000 | 8,657,000 | 6,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,822,000 | 39,395,000 | 37,751,000 | 36,819,000 |
| Interest-bearing deposits | 33,366,000 | 32,788,000 | 31,143,000 | 29,635,000 |
| Noninterest-bearing deposits | 7,456,000 | 6,607,000 | 6,608,000 | 7,184,000 |
| Equity capital | 7,248,000 | 7,370,000 | 7,238,000 | 7,222,000 |
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 | 524,000 | 1,038,000 | 1,503,000 | 1,939,000 |
| Interest expense | 124,000 | 232,000 | 322,000 | 398,000 |
| Net interest income | 400,000 | 806,000 | 1,181,000 | 1,541,000 |
| Noninterest income | 92,000 | 174,000 | 258,000 | 340,000 |
| Noninterest expense | 354,000 | 707,000 | 1,046,000 | 1,443,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 138,000 | 273,000 | 393,000 | 434,000 |
| Income tax | 45,000 | 87,000 | 125,000 | 155,000 |
| Net income | 93,000 | 186,000 | 268,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,208,000 | 7,264,000 | 7,308,000 | 7,282,000 |
| Total capital | 7,382,000 | 7,441,000 | 7,488,000 | 7,454,000 |
| Risk-weighted assets | 18,008,000 | 17,926,000 | 17,535,000 | 16,031,000 |