Call reports 2003
ELKHORN VALLEY BANK & TRUST — 2003
What ELKHORN VALLEY 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 | 218,999,000 | 221,589,000 | 223,573,000 | 228,907,000 |
| Total loans | 134,367,000 | 137,500,000 | 136,713,000 | 141,754,000 |
| Allowance for loan losses | 2,639,000 | 2,933,000 | 2,762,000 | 2,899,000 |
| Securities available for sale | 63,168,000 | 61,641,000 | 67,404,000 | 71,214,000 |
| Securities held to maturity | 2,050,000 | 1,620,000 | 1,263,000 | 865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,982,000 | 199,433,000 | 200,592,000 | 205,719,000 |
| Interest-bearing deposits | 184,005,000 | 184,590,000 | 186,212,000 | 189,066,000 |
| Noninterest-bearing deposits | 13,977,000 | 14,843,000 | 14,380,000 | 16,653,000 |
| Equity capital | 17,369,000 | 18,536,000 | 18,688,000 | 19,356,000 |
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 | 3,220,000 | 6,466,000 | 9,691,000 | 12,986,000 |
| Interest expense | 1,221,000 | 2,372,000 | 3,475,000 | 4,554,000 |
| Net interest income | 1,999,000 | 4,094,000 | 6,216,000 | 8,432,000 |
| Noninterest income | 462,000 | 1,016,000 | 1,585,000 | 2,198,000 |
| Noninterest expense | 1,206,000 | 2,454,000 | 3,659,000 | 4,982,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,255,000 | 2,656,000 | 4,142,000 | 5,648,000 |
| Income tax | 393,000 | 822,000 | 1,284,000 | 1,750,000 |
| Net income | 862,000 | 1,834,000 | 2,858,000 | 3,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,801,000 | 17,882,000 | 18,906,000 | 19,447,000 |
| Total capital | 18,732,000 | 19,845,000 | 20,878,000 | 21,474,000 |
| Risk-weighted assets | 153,747,000 | 156,073,000 | 156,976,000 | 161,293,000 |