Call reports 2003
SMALL TOWN BANK — 2003
What SMALL TOWN 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 | 140,546,000 | 148,369,000 | 149,238,000 | 152,428,000 |
| Total loans | 73,474,000 | 79,336,000 | 83,948,000 | 88,920,000 |
| Allowance for loan losses | 722,000 | 765,000 | 790,000 | 866,000 |
| Securities available for sale | 26,798,000 | 29,116,000 | 21,416,000 | 19,550,000 |
| Securities held to maturity | 13,733,000 | 28,463,000 | 32,009,000 | 31,289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,951,000 | 120,171,000 | 123,143,000 | 125,459,000 |
| Interest-bearing deposits | 107,725,000 | 111,637,000 | 113,899,000 | 116,885,000 |
| Noninterest-bearing deposits | 8,226,000 | 8,534,000 | 9,244,000 | 8,574,000 |
| Equity capital | 11,607,000 | 12,604,000 | 12,978,000 | 13,905,000 |
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 | 1,804,000 | 4,207,000 | 6,680,000 | 9,190,000 |
| Interest expense | 758,000 | 1,713,000 | 2,668,000 | 3,607,000 |
| Net interest income | 1,046,000 | 2,494,000 | 4,012,000 | 5,583,000 |
| Noninterest income | 135,000 | 350,000 | 558,000 | 774,000 |
| Noninterest expense | 551,000 | 1,288,000 | 1,978,000 | 2,620,000 |
| Provision for loan losses | 70,000 | 190,000 | 235,000 | 380,000 |
| Pretax income | 560,000 | 1,366,000 | 2,372,000 | 3,392,000 |
| Income tax | 162,000 | 402,000 | 575,000 | 832,000 |
| Net income | 398,000 | 964,000 | 1,797,000 | 2,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,710,000 | 9,278,000 | 10,256,000 | 11,019,000 |
| Total capital | 9,432,000 | 10,043,000 | 11,046,000 | 11,885,000 |
| Risk-weighted assets | 85,229,000 | 94,277,000 | 91,415,000 | 97,708,000 |