Call reports 2003
PAYNE COUNTY BANK, THE — 2003
What PAYNE COUNTY 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 | 83,891,000 | 85,135,000 | 82,358,000 | 82,124,000 |
| Total loans | 50,933,000 | 53,771,000 | 52,954,000 | 53,999,000 |
| Allowance for loan losses | 511,000 | 510,000 | 533,000 | 537,000 |
| Securities available for sale | 23,370,000 | 25,941,000 | 23,354,000 | 22,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,778,000 | 68,455,000 | 67,448,000 | 66,724,000 |
| Interest-bearing deposits | 59,153,000 | 58,225,000 | 56,638,000 | 55,747,000 |
| Noninterest-bearing deposits | 9,625,000 | 10,230,000 | 10,810,000 | 10,977,000 |
| Equity capital | 14,519,000 | 14,988,000 | 14,309,000 | 14,473,000 |
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 | 1,339,000 | 2,652,000 | 3,966,000 | 5,260,000 |
| Interest expense | 316,000 | 603,000 | 851,000 | 1,075,000 |
| Net interest income | 1,023,000 | 2,049,000 | 3,115,000 | 4,185,000 |
| Noninterest income | 198,000 | 391,000 | 585,000 | 769,000 |
| Noninterest expense | 594,000 | 1,120,000 | 1,705,000 | 2,683,000 |
| Provision for loan losses | 30,000 | 80,000 | 130,000 | 190,000 |
| Pretax income | 597,000 | 1,240,000 | 1,865,000 | 2,081,000 |
| Income tax | 170,000 | 358,000 | 540,000 | 595,000 |
| Net income | 427,000 | 882,000 | 1,325,000 | 1,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,954,000 | 14,409,000 | 14,052,000 | 14,213,000 |
| Total capital | 14,465,000 | 14,919,000 | 14,585,000 | 14,750,000 |
| Risk-weighted assets | 57,353,000 | 59,710,000 | 58,164,000 | 58,868,000 |