Call reports 2003
HUSTISFORD STATE BANK — 2003
What HUSTISFORD 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 | 37,413,000 | 37,525,000 | 36,415,000 | 37,390,000 |
| Total loans | 26,434,000 | 26,056,000 | 25,468,000 | 25,721,000 |
| Allowance for loan losses | 500,000 | 444,000 | 427,000 | 469,000 |
| Securities available for sale | 4,911,000 | 5,739,000 | 6,742,000 | 6,284,000 |
| Securities held to maturity | 2,005,000 | 1,905,000 | 1,605,000 | 1,340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,224,000 | 31,168,000 | 29,986,000 | 31,024,000 |
| Interest-bearing deposits | 27,252,000 | 26,763,000 | 26,133,000 | 25,696,000 |
| Noninterest-bearing deposits | 3,972,000 | 4,405,000 | 3,853,000 | 5,328,000 |
| Equity capital | 5,860,000 | 6,027,000 | 6,080,000 | 6,105,000 |
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 | 579,000 | 1,141,000 | 1,687,000 | 2,223,000 |
| Interest expense | 178,000 | 347,000 | 501,000 | 643,000 |
| Net interest income | 401,000 | 794,000 | 1,186,000 | 1,580,000 |
| Noninterest income | 34,000 | 60,000 | 87,000 | 140,000 |
| Noninterest expense | 207,000 | 422,000 | 636,000 | 864,000 |
| Provision for loan losses | 39,000 | 88,000 | 103,000 | 148,000 |
| Pretax income | 189,000 | 344,000 | 534,000 | 708,000 |
| Income tax | 51,000 | 93,000 | 180,000 | 237,000 |
| Net income | 138,000 | 251,000 | 354,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,774,000 | 5,886,000 | 5,990,000 | 6,027,000 |
| Total capital | 6,064,000 | 6,172,000 | 6,270,000 | 6,309,000 |
| Risk-weighted assets | 23,027,000 | 22,692,000 | 22,229,000 | 22,347,000 |