Call reports 2003
SCOTT COUNTY STATE BANK, THE — 2003
What SCOTT COUNTY STATE BANK, THE 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 | 113,750,000 | 110,120,000 | 114,580,000 | 119,129,000 |
| Total loans | 83,312,000 | 82,555,000 | 84,803,000 | 89,129,000 |
| Allowance for loan losses | 751,000 | 775,000 | 739,000 | 751,000 |
| Securities available for sale | 0 | 5,028,000 | 6,052,000 | 6,549,000 |
| Securities held to maturity | 15,328,000 | 13,311,000 | 12,756,000 | 12,745,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,514,000 | 95,728,000 | 99,946,000 | 99,412,000 |
| Interest-bearing deposits | 78,518,000 | 75,862,000 | 78,326,000 | 80,378,000 |
| Noninterest-bearing deposits | 20,996,000 | 19,866,000 | 21,620,000 | 19,034,000 |
| Equity capital | 12,242,000 | 12,433,000 | 12,759,000 | 12,602,000 |
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 | 1,586,000 | 3,147,000 | 4,693,000 | 6,280,000 |
| Interest expense | 480,000 | 937,000 | 1,352,000 | 1,749,000 |
| Net interest income | 1,106,000 | 2,210,000 | 3,341,000 | 4,531,000 |
| Noninterest income | 174,000 | 340,000 | 518,000 | 674,000 |
| Noninterest expense | 808,000 | 1,549,000 | 2,317,000 | 3,079,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 62,000 |
| Pretax income | 472,000 | 1,001,000 | 1,502,000 | 2,064,000 |
| Income tax | 163,000 | 345,000 | 519,000 | 713,000 |
| Net income | 309,000 | 656,000 | 983,000 | 1,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,242,000 | 12,430,000 | 12,758,000 | 12,600,000 |
| Total capital | 12,993,000 | 13,205,000 | 13,497,000 | 13,351,000 |
| Risk-weighted assets | 71,397,000 | 68,420,000 | 70,037,000 | 72,536,000 |