Call reports 2003
STATE BANK OF WHEATON — 2003
What STATE BANK OF WHEATON 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 | 69,532,000 | 64,912,000 | 65,448,000 | 66,180,000 |
| Total loans | 45,699,000 | 47,486,000 | 48,442,000 | 47,224,000 |
| Allowance for loan losses | 1,250,000 | 1,250,000 | 1,000,000 | 1,000,000 |
| Securities available for sale | 13,820,000 | 13,515,000 | 13,007,000 | 12,734,000 |
| Securities held to maturity | 3,101,000 | 2,792,000 | 2,461,000 | 2,231,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,185,000 | 48,511,000 | 48,274,000 | 49,537,000 |
| Interest-bearing deposits | 43,709,000 | 42,447,000 | 41,230,000 | 41,045,000 |
| Noninterest-bearing deposits | 6,476,000 | 6,064,000 | 7,044,000 | 8,492,000 |
| Equity capital | 12,342,000 | 12,484,000 | 12,817,000 | 13,331,000 |
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 | 983,000 | 1,931,000 | 3,071,000 | 4,088,000 |
| Interest expense | 295,000 | 572,000 | 808,000 | 1,026,000 |
| Net interest income | 688,000 | 1,359,000 | 2,263,000 | 3,062,000 |
| Noninterest income | 160,000 | 252,000 | 266,000 | 323,000 |
| Noninterest expense | 377,000 | 717,000 | 1,080,000 | 1,352,000 |
| Provision for loan losses | 249,000 | 250,000 | 250,000 | 249,000 |
| Pretax income | 222,000 | 644,000 | 1,199,000 | 1,784,000 |
| Income tax | 7,000 | 10,000 | 12,000 | 14,000 |
| Net income | 215,000 | 634,000 | 1,187,000 | 1,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,705,000 | 11,847,000 | 12,320,000 | 12,903,000 |
| Total capital | 12,293,000 | 12,448,000 | 12,950,000 | 13,522,000 |
| Risk-weighted assets | 46,522,000 | 47,458,000 | 50,062,000 | 49,170,000 |