Call reports 2003
STATE BANK OF CHANDLER — 2003
What STATE BANK OF CHANDLER 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 | 27,951,000 | 29,277,000 | 29,210,000 | 28,689,000 |
| Total loans | 16,152,000 | 16,980,000 | 17,600,000 | 16,999,000 |
| Allowance for loan losses | 365,000 | 378,000 | 416,000 | 351,000 |
| Securities available for sale | 9,455,000 | 9,788,000 | 8,930,000 | 8,754,000 |
| Securities held to maturity | 327,000 | 326,000 | 322,000 | 319,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,305,000 | 23,747,000 | 24,278,000 | 24,255,000 |
| Interest-bearing deposits | 20,743,000 | 20,258,000 | 20,349,000 | 20,018,000 |
| Noninterest-bearing deposits | 3,562,000 | 3,489,000 | 3,929,000 | 4,237,000 |
| Equity capital | 3,261,000 | 3,398,000 | 3,352,000 | 3,438,000 |
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 | 410,000 | 813,000 | 1,207,000 | 1,596,000 |
| Interest expense | 128,000 | 258,000 | 383,000 | 488,000 |
| Net interest income | 282,000 | 555,000 | 824,000 | 1,108,000 |
| Noninterest income | 23,000 | 50,000 | 79,000 | 107,000 |
| Noninterest expense | 162,000 | 315,000 | 473,000 | 706,000 |
| Provision for loan losses | 3,000 | 6,000 | 41,000 | 45,000 |
| Pretax income | 141,000 | 285,000 | 390,000 | 465,000 |
| Income tax | 44,000 | 88,000 | 121,000 | 138,000 |
| Net income | 97,000 | 197,000 | 269,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,099,000 | 3,199,000 | 3,271,000 | 3,329,000 |
| Total capital | 3,326,000 | 3,436,000 | 3,514,000 | 3,564,000 |
| Risk-weighted assets | 18,013,000 | 18,790,000 | 19,286,000 | 18,693,000 |