Call reports 2003
PORT AUSTIN STATE BANK, THE — 2003
What PORT AUSTIN STATE 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 | 31,252,000 | 31,199,000 | 32,914,000 | 32,823,000 |
| Total loans | 21,903,000 | 22,239,000 | 22,401,000 | 23,478,000 |
| Allowance for loan losses | 294,000 | 296,000 | 299,000 | 300,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,805,000 | 3,305,000 | 3,304,000 | 2,803,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,682,000 | 25,584,000 | 26,706,000 | 26,601,000 |
| Interest-bearing deposits | 22,185,000 | 22,108,000 | 22,555,000 | 22,072,000 |
| Noninterest-bearing deposits | 3,497,000 | 3,476,000 | 4,151,000 | 4,529,000 |
| Equity capital | 5,469,000 | 5,529,000 | 5,602,000 | 5,659,000 |
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 | 416,000 | 822,000 | 1,226,000 | 1,620,000 |
| Interest expense | 109,000 | 207,000 | 299,000 | 389,000 |
| Net interest income | 307,000 | 615,000 | 927,000 | 1,231,000 |
| Noninterest income | 14,000 | 33,000 | 50,000 | 66,000 |
| Noninterest expense | 180,000 | 379,000 | 563,000 | 759,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 138,000 | 263,000 | 405,000 | 526,000 |
| Income tax | 44,000 | 86,000 | 132,000 | 173,000 |
| Net income | 94,000 | 177,000 | 273,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,469,000 | 5,529,000 | 5,602,000 | 5,659,000 |
| Total capital | 5,705,000 | 5,768,000 | 5,843,000 | 5,903,000 |
| Risk-weighted assets | 18,844,000 | 19,060,000 | 19,220,000 | 19,467,000 |