Call reports 2003
FIRST STATE BANK OF SINAI — 2003
What FIRST STATE BANK OF SINAI reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Total assets | 17,523,000 | 18,803,000 | 19,645,000 |
| Total loans | 14,292,000 | 16,395,000 | 16,981,000 |
| Allowance for loan losses | 187,000 | 185,000 | 188,000 |
| Securities available for sale | 4,000 | 4,000 | 3,000 |
| Securities held to maturity | 930,000 | 930,000 | 865,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 14,639,000 | 15,077,000 | 15,352,000 |
| Interest-bearing deposits | 13,468,000 | 14,144,000 | 14,385,000 |
| Noninterest-bearing deposits | 1,171,000 | 933,000 | 967,000 |
| Equity capital | 2,724,000 | 2,779,000 | 2,855,000 |
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 |
|---|---|---|---|
| Interest income | 262,000 | 537,000 | 836,000 |
| Interest expense | 94,000 | 184,000 | 274,000 |
| Net interest income | 168,000 | 353,000 | 562,000 |
| Noninterest income | 11,000 | 27,000 | 43,000 |
| Noninterest expense | 118,000 | 222,000 | 328,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 |
| Pretax income | 61,000 | 143,000 | 262,000 |
| Income tax | 19,000 | 46,000 | 89,000 |
| Net income | 42,000 | 97,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Tier 1 capital | 2,724,000 | 2,779,000 | 2,855,000 |
| Total capital | 2,894,000 | 2,963,000 | 3,043,000 |
| Risk-weighted assets | 13,575,000 | 14,757,000 | 15,393,000 |