Call reports 2003
ALMENA STATE BANK — 2003
What ALMENA 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 | 12,672,000 | 12,505,000 | 12,623,000 | 12,702,000 |
| Total loans | 10,703,000 | 10,520,000 | 10,614,000 | 10,593,000 |
| Allowance for loan losses | 150,000 | 124,000 | 125,000 | 123,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 631,000 | 581,000 | 506,000 | 505,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,616,000 | 11,507,000 | 11,445,000 | 11,435,000 |
| Interest-bearing deposits | 10,023,000 | 9,975,000 | 9,841,000 | 9,830,000 |
| Noninterest-bearing deposits | 1,593,000 | 1,532,000 | 1,604,000 | 1,605,000 |
| Equity capital | 1,006,000 | 963,000 | 979,000 | 921,000 |
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 | 246,000 | 478,000 | 706,000 | 893,000 |
| Interest expense | 46,000 | 90,000 | 130,000 | 166,000 |
| Net interest income | 200,000 | 388,000 | 576,000 | 727,000 |
| Noninterest income | 44,000 | 74,000 | 132,000 | 173,000 |
| Noninterest expense | 206,000 | 417,000 | 647,000 | 836,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 38,000 | 45,000 | 61,000 | 64,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 38,000 | 45,000 | 61,000 | 64,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 985,000 | 942,000 | 958,000 | 900,000 |
| Total capital | 1,118,000 | 1,066,000 | 1,083,000 | 1,023,000 |
| Risk-weighted assets | 10,595,000 | 10,307,000 | 10,389,000 | 10,523,000 |