Call reports 2003
FIRST BANK OF SOUTH ARKANSAS — 2003
What FIRST BANK OF SOUTH ARKANSAS 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 | 89,530,000 | 91,610,000 | 91,413,000 | 89,136,000 |
| Total loans | 61,474,000 | 61,992,000 | 59,876,000 | 58,722,000 |
| Allowance for loan losses | 890,000 | 992,000 | 1,141,000 | 1,011,000 |
| Securities available for sale | 18,803,000 | 20,595,000 | 24,564,000 | 24,634,000 |
| Securities held to maturity | 330,000 | 246,000 | 156,000 | 109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,689,000 | 77,876,000 | 78,364,000 | 73,704,000 |
| Interest-bearing deposits | 67,042,000 | 69,494,000 | 69,768,000 | 65,324,000 |
| Noninterest-bearing deposits | 8,647,000 | 8,382,000 | 8,596,000 | 8,380,000 |
| Equity capital | 9,073,000 | 9,266,000 | 9,126,000 | 9,444,000 |
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 | 1,309,000 | 2,611,000 | 3,939,000 | 5,246,000 |
| Interest expense | 400,000 | 797,000 | 1,193,000 | 1,582,000 |
| Net interest income | 909,000 | 1,814,000 | 2,746,000 | 3,664,000 |
| Noninterest income | 250,000 | 582,000 | 902,000 | 1,148,000 |
| Noninterest expense | 651,000 | 1,327,000 | 1,995,000 | 2,610,000 |
| Provision for loan losses | 45,000 | 185,000 | 365,000 | 410,000 |
| Pretax income | 463,000 | 884,000 | 1,288,000 | 1,793,000 |
| Income tax | 176,000 | 336,000 | 541,000 | 733,000 |
| Net income | 287,000 | 548,000 | 747,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,361,000 | 8,548,000 | 8,747,000 | 9,009,000 |
| Total capital | 9,096,000 | 9,289,000 | 9,476,000 | 9,721,000 |
| Risk-weighted assets | 58,678,000 | 59,043,000 | 57,921,000 | 56,696,000 |