Call reports 2003
ALTON BANK — 2003
What ALTON 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 | 38,903,000 | 38,511,000 | 38,824,000 | 41,401,000 |
| Total loans | 18,920,000 | 19,562,000 | 19,447,000 | 19,024,000 |
| Allowance for loan losses | 173,000 | 194,000 | 205,000 | 219,000 |
| Securities available for sale | 1,824,000 | 1,810,000 | 1,672,000 | 2,485,000 |
| Securities held to maturity | 14,353,000 | 15,017,000 | 16,133,000 | 14,664,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,678,000 | 32,281,000 | 32,478,000 | 35,041,000 |
| Interest-bearing deposits | 28,460,000 | 27,993,000 | 28,126,000 | 29,976,000 |
| Noninterest-bearing deposits | 4,218,000 | 4,288,000 | 4,352,000 | 5,065,000 |
| Equity capital | 6,040,000 | 6,117,000 | 6,207,000 | 6,315,000 |
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 | 531,000 | 1,064,000 | 1,594,000 | 2,123,000 |
| Interest expense | 164,000 | 315,000 | 439,000 | 559,000 |
| Net interest income | 367,000 | 749,000 | 1,155,000 | 1,564,000 |
| Noninterest income | 35,000 | 77,000 | 118,000 | 167,000 |
| Noninterest expense | 221,000 | 456,000 | 694,000 | 966,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 166,000 | 340,000 | 534,000 | 705,000 |
| Income tax | 43,000 | 87,000 | 142,000 | 167,000 |
| Net income | 123,000 | 253,000 | 392,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,042,000 | 6,116,000 | 6,209,000 | 6,316,000 |
| Total capital | 6,215,000 | 6,310,000 | 6,414,000 | 6,535,000 |
| Risk-weighted assets | 23,138,000 | 20,981,000 | 20,811,000 | 20,865,000 |