Call reports 2003
ELLIS STATE BANK — 2003
What ELLIS 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 | 40,916,000 | 40,495,000 | 41,706,000 | 40,619,000 |
| Total loans | 17,975,000 | 18,323,000 | 18,389,000 | 18,739,000 |
| Allowance for loan losses | 271,000 | 277,000 | 282,000 | 287,000 |
| Securities available for sale | 18,389,000 | 18,849,000 | 18,608,000 | 18,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,812,000 | 34,261,000 | 35,546,000 | 34,499,000 |
| Interest-bearing deposits | 30,999,000 | 30,167,000 | 31,346,000 | 30,893,000 |
| Noninterest-bearing deposits | 3,813,000 | 4,094,000 | 4,200,000 | 3,606,000 |
| Equity capital | 5,468,000 | 5,592,000 | 5,565,000 | 5,613,000 |
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 | 486,000 | 966,000 | 1,438,000 | 1,909,000 |
| Interest expense | 177,000 | 347,000 | 514,000 | 678,000 |
| Net interest income | 309,000 | 619,000 | 924,000 | 1,231,000 |
| Noninterest income | 23,000 | 41,000 | 58,000 | 85,000 |
| Noninterest expense | 218,000 | 443,000 | 644,000 | 902,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 127,000 | 227,000 | 354,000 | 425,000 |
| Income tax | 35,000 | 59,000 | 93,000 | 104,000 |
| Net income | 92,000 | 168,000 | 261,000 | 321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,240,000 | 5,315,000 | 5,400,000 | 5,459,000 |
| Total capital | 5,504,000 | 5,587,000 | 5,674,000 | 5,733,000 |
| Risk-weighted assets | 21,082,000 | 21,718,000 | 21,923,000 | 21,935,000 |